All truck drivers are required to have some form of health insurance, but many do not. Cost is a major barrier for many truck drivers to purchase health insurance.
Insurance costs can be reduced if the employer ensures their driver. Most truck drivers who work for large auto companies can get affordable group insurance through the various plans of the companies they work for.
This is much cheaper than buying a single policy and is probably the cheapest option for these drivers to get health insurance. You can also get truck insurance at www.truckershealthcoverage.com/.
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Self-driving and other drivers who do not qualify for group health insurance have other options.
One is a high deductible plan that has a low monthly premium but requires that the high deductible be paid out of pocket before the insurance policy can pay anything. This can be a very expensive option.
The low deductible plan has a higher monthly premium but a lower deductible amount. Another option available is a defined benefit plan.
This policy pays a predetermined amount for services such as office visits, practicum, surgery, critical care, and more. Some of these plans have recipe plans as well.
One company that provides many services to commercial truck drivers is the Owner-Operator Independent Drivers Association (OOIDA).
For a very small fee, individuals can become members of this organization, which offers its members various benefits, including insurance.
OOIDA offers comprehensive insurance coverage for truck drivers and their families. This includes health insurance, life insurance, disability insurance, and dental insurance.