Health Insurance for You & Your Family
Individual health plans and supplemental coverage that fill the gaps, especially for self-employed drivers and small business owners.
Coverage That Fills the Gaps
Individual & Family Health Plans
Major medical coverage, including ACA marketplace plans. You may qualify for premium tax credits based on household income.
Accident Insurance
Cash benefits paid directly to you after a covered accident, helping with deductibles, copays and everyday bills.
Critical Illness
A lump-sum benefit if you're diagnosed with a covered condition such as heart attack, stroke or cancer.
Hospital Indemnity
Fixed cash benefits for covered hospital stays to offset high deductibles.
Disability Income
Replaces part of your paycheck if illness or injury keeps you from working. Critical for self-employed drivers and business owners.
Dental & Vision
Stand-alone plans for checkups, cleanings, glasses and contacts.
Owner-Operators & Small Business Owners
When you work for yourself, there's no HR department picking your benefits. We'll help you build a plan that makes sense.
- Major medical for doctor visits, prescriptions and hospital care
- Occupational accident for on-the-job injuries (for leased owner-operators)
- Disability income to protect your earnings
- Accident & critical illness cash benefits to cover high deductibles
Key Enrollment Dates
Most marketplace plans can only be purchased during Open Enrollment, typically November 1 – January 15, unless you have a qualifying life event.
Supplemental plans like accident, critical illness and dental can usually be purchased year-round.
Health Insurance FAQ
When can I enroll in a marketplace health plan?
Open Enrollment for HealthCare.gov plans typically runs from November 1 through January 15. Outside that window, you generally need a qualifying life event, such as losing other coverage, getting married, having a baby or moving, to enroll in a Special Enrollment Period.
Am I eligible for a subsidy?
Premium tax credits are based on household income and size. Many self-employed people and owner-operators qualify. We'll help you estimate your eligibility.
What's the difference between health insurance and supplemental insurance?
Health insurance pays doctors and hospitals for covered care. Supplemental plans like accident, critical illness and hospital indemnity pay cash directly to you, which you can use for deductibles, rent or anything else.
I'm a 1099 driver. What should I have?
Consider a major medical plan for illness and off-duty care, occupational accident for on-the-job injuries, and disability income to protect your earnings.
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