Drive for Yourself.
Get Health Coverage That Works for You.
Affordable private PPO health insurance built for independent owner-operators and long-haul truck drivers. Nationwide coverage that follows you on every route — no employer required.
vs. ACA exchange
- Instant rate quote in seconds
- Nationwide PPO doctor access
- 100% tax-deductible premiums
Trucker Private PPO Rate Estimator
Calculated directly using verified private PPO underwriting rate matrices.
First Adult (Primary Insured)
Include Second Adult / Spouse?
Dependents
State of Residence
Doctor & Hospital PPO Network Directory Lookup
Access any doctor or hospital in the U.S. Verify if your primary physician, specialist, or regional hospital system is inside private PPO networks.
Unlimited lookups — search as many doctors, hospitals, and clinics as you need.
100% Tax-Deductible Health Insurance Calculator
Owner-operators and independent truckers can deduct 100% of health insurance premiums on IRS Schedule 1 (Form 1040, Line 17).
IRS Schedule 1 (Form 1040, Line 17) — 100% of health insurance premiums deductible for self-employed owner-operators. Consult your CPA.
Key Considerations for Drivers
What matters most when you're choosing health coverage as an independent trucker.
Built for the Road
Coverage that travels with you across all 50 states. See any in-network doctor or hospital, wherever your route takes you.
Real PPO Protection
Hospital, surgery, specialist, and prescription coverage with $0 preventive care and 24/7 telehealth from your cab.
Lower Real Cost
Private PPO plans average 47% less than unsubsidized ACA exchange plans — and 100% of premiums are tax-deductible.
No Employer Needed
Designed for 1099, owner-operators, and independent contractors. You own your coverage, not a fleet manager.
Simple & Transparent Process
From quote to coverage in four clear steps.
Run Your Instant Quote
Enter your age, state, and household. Get real underwriting PPO rates in seconds — no email required to see prices.
Compare Gold PPO Plans
Review three deductible tiers side by side with full benefit breakdowns and monthly premiums.
Verify Your Doctors
Use the PPO network directory to confirm your primary doctor or regional hospital is in network.
Lock In Your Rate
Save & send your quote to a licensed agent who finalizes your enrollment — no obligation.
Human Guidance Matters
You're not handed off to a call center. A licensed PPO agent who understands trucker coverage works your quote personally — and helps you enroll.
Call 1-855-469-1883Mon–Sat 8:00 AM–10:00 PM EST · Sun 1:00 PM–4:00 PM EST