Need coverage that works wherever the load takes you? Kyle Frank is a licensed health insurance broker who helps owner-operators and truck drivers find health plans that work at home and on the road. It costs you nothing.
These are the moments when coverage most often gets expensive or confusing.
Leaving a company driver job usually means leaving its group plan. Compare COBRA and your other options.
As an independent contractor, you usually aren't on the carrier's group plan, so you need your own coverage.
A plan that only covers routine care near home isn't much help three states away.
If you earn too much to get help paying the premium, it's worth comparing a private plan side by side.
Your plan has to work in two places: where your family lives and wherever you are driving. Kyle checks both.
If you're healthy, a private plan is often the best place to start.
Some private plans use national networks, which can be a good fit when you cross state lines every week.
Many private plans don't make you wait for open enrollment, so you can get covered when you go out on your own.
Private plans are priced on your health, not your income. Healthy people can often get better benefits for significantly less than full-price Marketplace plans.
Many plans include telehealth, so you can see a doctor by phone or video without leaving your route.
If you drive for a living, Kyle can help.
If a private plan isn't the right fit, Kyle will tell you and walk you through these instead.
If you're a company driver, your carrier may offer one. Compare it carefully, especially if you're adding a spouse or kids.
A good fit if you have a major health condition, or if your income qualifies you for help paying the premium. Check how the network works outside your home state.
If your spouse has coverage through work, compare it side by side. It isn't always the cheapest option once you add family members.
A low monthly cost isn't a good deal if the plan doesn't work where you are.
Three simple steps. No pressure and no cost to you.
Tell Kyle where you live, where you drive, and your budget.
Kyle walks you through your options and what each one does and does not cover.
Kyle helps you enroll and stays available when you have questions later.
Private health plans are not ACA-compliant major medical plans. Benefits, exclusions, limits and underwriting vary by plan, they may not cover pre-existing conditions or all essential health benefits, and they are not eligible for ACA premium subsidies. Kyle explains exactly what a plan does and does not cover before you decide, and you should read the plan documents.
Kyle works with drivers by phone, so you can call from anywhere on your route. He is licensed in 31 states, listed at the bottom of this page. If your home state is on the list, Kyle can help.
More reading: our guide to health insurance for truck drivers, health insurance for the self-employed, and small business health insurance for fleet owners.
Quick answers to what drivers ask us most.
Usually not. Owner-operators and leased-on drivers are generally independent contractors, so they aren't on the carrier's group plan and need their own coverage.
That depends on the plan's network. Some private plans use national networks. Many other plans cover emergencies anywhere but limit routine care to your home area. Kyle checks this before you decide.
It depends on your age, your health, where you live and the plan you choose. Kyle gives you real numbers on a short call, at no cost.
No. Private plans are priced on health instead of income, which is why healthy people can often save. They are not ACA-compliant major medical plans, so they may not cover pre-existing conditions or all essential health benefits, and they aren't eligible for ACA premium help. Kyle explains exactly what's covered before you decide.
Many private plans let you apply any time of year. Marketplace plans have open enrollment each fall, and outside that window you usually need a qualifying life event, like losing other coverage.
No. Kyle is paid by the insurance carriers, not by you.
A free 15-minute call is all it takes. Kyle will walk you through your options.