Frequently Asked Questions
Clear answers about health coverage, tax breaks, and PPO network access for independent truck drivers.
Can I deduct my health insurance premiums on my taxes?
Yes! Independent 1099 commercial truck drivers and owner-operators can deduct 100% of qualified health insurance premiums on IRS Schedule 1 (Form 1040, Line 17) as an above-the-line deduction, lowering your net self-employment tax burden.
Will this health insurance cover me when I drive in other states?
Yes. All private PPO health plans offered through our advisor concierge utilize nationwide networks (such as MultiPlan, PHCS, or First Health), giving you direct access to doctors, clinics, and hospitals in all 50 states.
How does the 10 quotes per day limit work?
To prevent automated scraping of rate tables, our estimator limits visitor IP addresses to 10 quote calculations per calendar day. If you reach the limit, you can fill out our short callback form or call an agent directly.
What happens after 3 doctor network searches?
To protect provider directory data, doctor searches are capped at 3 lookups. After 3 searches, you can submit your provider list directly to a licensed agent who will verify every doctor and hospital for you.
Are tobacco users accepted?
Yes. Tobacco selection adds a flat $50 household monthly add-on to the rate matrix, covering both driver and spouse.
Have a Question Not Answered Here?
Our licensed agent concierge is ready to assist you.
Call Agent 1-855-469-1883