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Feb 29, 2024

Health Insurance for Truckers

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WRITTEN BY: BLOOM SERVICES

a clipboard with a health insurance form , a stethoscope , a mask , and a calculator for truckers.

Independent truckers, also known as owner-operators, have unique insurance needs compared to traditional employees. One of the most important considerations for these self-employed individuals is obtaining health insurance. Here are some options for independent truckers to consider when looking for health insurance coverage.


Individual Insurance Plans

First, independent truckers can consider purchasing individual health insurance plans. These plans can be purchased directly from insurance companies or through government-run marketplaces, such as the Affordable Care Act’s Health Insurance Marketplace. These plans are typically more expensive than employer-sponsored plans, but they do provide coverage for individuals who are self-employed.



OOIDA Health Insurance

Another option for independent truckers is to join a professional association. Many professional associations, such as the Owner-Operator Independent Drivers Association (OOIDA), offer group health insurance plans to their members. These group plans can be more affordable than individual plans and may offer additional benefits, such as prescription drug coverage and dental insurance.



Short-term Health Insurance

Third, independent truckers can also look into short-term health insurance plans. These plans provide coverage for a limited period of time and can be a good option for individuals who are in between jobs or waiting for coverage to start under a new plan. However, be aware that these plans do not cover pre-existing conditions, maternity care, and prescription drugs.


Independent truckers have several options when it comes to obtaining health insurance coverage. It is important for these self-employed individuals to consider their needs and budget when choosing a plan. By considering individual plans, group plans, short-term plans and healthcare sharing ministry, independent truckers can find a plan that fits their needs and budget.



Bloom Services, Inc

Here at Bloom we don’t offer health insurance yet.  We do provide Freightliner Cascadias on our Rental and Lease-Purchase Program. They come equipped with powerful inverters, fridges, and an HVAC system that does not require the truck to idle. The Freightliner is one of the most fuel-efficient trucks on the road. If you have a Class A CDL and two years of experience, Bloom Services hires OTR truckers. Our drivers take home $3,000 + a week after all expenses. 

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