Who needs it
Owner-operators, 1099 drivers and small fleet owners without health coverage through an employer or spouse.
What it pays for
- Doctor visits, hospital stays and prescriptions, depending on the plan
- Coverage for your spouse and children, if you add them
- Dental and vision, on some plans or as add-ons
- Telehealth visits from the road, on some plans
What it won't pay for
- Work injuries may be handled by occupational accident or workers' comp first, depending on the plan
- Doctors outside the plan's network, on many plans
- Services the plan lists as excluded
- Your truck, freight and liability (those are your trucking policies)
What moves the price
We don't show prices online. These are the things an agent and the insurance companies look at.
- Ages of the people covered
- Where you live
- How many people are on the plan
- Plan type and network
- Deductible and out-of-pocket maximum
Real situations
- An owner-operator with a spouse and two kids needs coverage for the whole family. A licensed partner walks them through plans that fit their budget and doctors.
- A driver often runs out of state and wants to see a doctor from the road. A licensed partner looks for options that include telehealth or a wider network.