ACA plans come in four metal tiers. Bronze plans carry the lowest monthly premiums but the highest deductibles — appropriate if you are generally healthy and primarily want catastrophic protection. Silver plans are the most popular tier for truck drivers because cost-sharing reductions are only available on Silver. Gold plans carry higher premiums but lower out-of-pocket costs, which makes sense if you use healthcare frequently. Platinum plans have the highest premiums and lowest cost-sharing.
The average individual ACA market premium is $540 per month (KFF, 2024), though the sticker price drops dramatically with subsidies. ACA premium tax credits (subsidies) are available to drivers whose household income falls between 100% and 400% of the federal poverty level — roughly $15,060 to $60,240 for a single person in 2025. Drivers earning under $48,240 per year often qualify for meaningful subsidy reductions, and some low-income drivers qualify for $0-premium Bronze plans.