Health Insurance for Truckers 101
The long-distance trucking industry helps keep the country moving, and if supply chain shortages have taught us anything, it is the importance of this industry — and the drivers that support it. Much like endurance athletes push their bodies to the limits for hours upon hours, long-distance truckers test their physical limits on drives that can reach 11 hours a day.
Because of the incredible physical demands placed on these truck drivers, it is important for them to maintain good health. Life on the road can often mean fast food, a sedentary lifestyle, and poor posture, but long-distance trucker drivers can take steps to ensure they are looking after themselves. Avoiding processed food on the road, staying hydrated (and avoiding 64 oz sodas,) exercising whenever possible, and focusing on good posture are all ways truckers can look after their health — but the right health insurance plan can make a world of difference.
The Trusted Referral Network helps Americans find the health coverage they deserve, and we’ve outlined a number of ways that truckers can find the right health insurance plans for their unique needs.
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Trucker Health Insurance Plans: What to Know
Affordability and flexibility are two factors to look for when searching for the right healthcare plan, as health insurance offered by trucking companies to employees often lacks the coverage these employees need — or is too expensive. Further, many truck drivers are improperly classified as contractors when they are actually employees, which deprives them of the benefits they are entitled to.
Penalties for Truckers Without Health Insurance
Believe it or not, truck drivers can actually be fined for not having health insurance in some states. Those without health insurance compliant with the Affordable Care Act (ACA) in Rhode Island, Washington, D.C, California, and New Jersey may be susceptible to a tax — making it even more important for truck drivers (especially in these states) to find the right health insurance plan.
Types of Health Plans for Truck Drivers
Short-Term Health Plans
Truck drivers looking for affordability and flexibility who are comfortable with a more barebones approach to health insurance may benefit from a short-term health plan. These plans feature lower premiums than other ACA plans, and may be a good choice for truckers who have relied on their employers for benefits and are now between jobs.
One major disadvantage of a short-term health plan is that providers may deny you short-term coverage if you have a pre-existing condition.
Though truck drivers can earn over $80,000/year on average, there are many truck drivers who will not see this salary. Truckers earning below the maximum income may qualify for Medicaid, a government-sponsored program providing lower-income individuals with health insurance.
Individual or Family Plans
Medicaid is not the only program that is government-subsidized, and certain individual and family health plans may also be subsidized for individuals who fall under maximum income requirements. These plans follow a traditional open enrollment schedule and may also be limited to a specific zip code — so truck drivers should consult the Trusted Referral Network to make sure these plans will give them the cross-country coverage they need.
Find the Right Plan with the Trusted Referral Network
If you’re a truck driver trying to look after your health, finding the right health plan for your needs should be the first place you start. Whether you’re looking for a health insurance plan that offers you flexibility, affordability, or full coverage, our team can help you find a plan to keep you moving.
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