I am a self employed truck driver how do i get medical insurance

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Need medical insurance for me and my girlfriend

Asked January 30, 2017

1 Answer


As a self-employed truck driver, you have a few options for getting medical insurance:

  • Private Health Insurance: You can purchase health insurance from private health insurance companies. You can choose from various plans and coverage levels, such as PPO, HMO, and high-deductible health plans. You can shop for private health insurance plans on the Health Insurance Marketplace, where you may be eligible for subsidies based on your income.
  • Health Insurance through a Spouse or Parent: If you have a spouse or parent with a health insurance policy, you may be eligible to be added to their policy as a dependent. This option may be more affordable than purchasing an individual policy.
  • Health Insurance through a Professional Association: There are professional associations for truck drivers, such as the Owner-Operator Independent Drivers Association (OOIDA), that offer group health insurance plans to their members.
  • Health Savings Account (HSA): An HSA is a tax-advantaged savings account that allows you to save money for medical expenses. As a self-employed truck driver, you may be eligible to open an HSA and make tax-deductible contributions to it.
It is recommended that you speak with a licensed health insurance agent or broker to explore your options and find a plan that fits your specific needs and budget.

Answered February 3, 2017 by doclee

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