Health insurance for truck owner-operators

Guides written for truck owner-operators, grouped by state. Plan availability and prices vary by state, so start with the guide for the state you live in.

Florida

Florida Owner-Operators: Health Insurance on the Road

For Florida owner-operator truckers: why net profit, not gross, sets your tax credit, and what to do when the Florida PPO costs about twice as much.

Indiana

Indiana Truck Owner-Operators: Health Insurance in 2026

Indiana marketplace rates rose roughly 27% for 2026, and no PPO medical plan is sold there. How regional and over-the-road owner-operators sort it out.

Missouri

Missouri Owner-Operators and Team Drivers: Health Insurance

Every 2026 Missouri marketplace medical plan is an EPO. How owner-operators and husband-and-wife teams cover themselves in a good freight year and a slow one.

Nebraska

Nebraska Owner-Operators: Health Insurance for 2026

Most Nebraska marketplace plans are EPOs, and the PPO reaches only 34 of 93 counties. A guide for drivers leasing on or running their own authority.

Ohio

Health Insurance for Ohio Owner-Operators on the Road (2026)

Every medical plan on Ohio's 2026 marketplace is an HMO. How owner-operators who haul out of state find coverage that works on the road, scenario by scenario.

Texas

Health Insurance for Texas Owner-Operators on the Road

For Texas owner-operators who run out of state: the 2026 marketplace has no PPO medical plans, and your net after truck costs decides your path.

Virginia

Health Insurance for Virginia Owner-Operators (2026)

Outside Northern Virginia, the 2026 marketplace sells HMO and EPO medical plans and no PPO. What Virginia owner-operators on long hauls can do.

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