I am a self employed truck driver how do i get medical insurance

UPDATED: Jan 30, 2017

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UPDATED: Jan 30, 2017Fact Checked

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Need medical insurance for me and my girlfriend

Asked January 30, 2017

1 Answer

Self-employed truck drivers in Arkansas have a wide range of options available to them for acquiring health insurance to cover them and their loved ones. Consider these options:

The health insurance marketplace at Healthcare.gov offers open enrollment from November 1 to January 31st and then special enrollment for situations in which the individual or family had difficulty acquiring insurance for one or more government-approved reasons. For self-employment details, go to "See Topics" on the top navigation bar and select "Are self-employed" in the "More Details If You..." section. If you have at least one employee, you can also look for small business insurance plans that are often more affordable than self-employed ones. A link for that option is available on the same page.

Many auto insurance companies provide other types of insurance to their customers, including health insurance. They make plans affordable by offering special "bundled" premium discounts when customers decide to turn to them for all of their insurance needs. Another option: Hobby and group organization insurance plans. Members of certain groups can often find low-cost insurance plans because dues and donations pay for member access to VIP group benefits.

Some drivers in Arkansas also have part-time employment-based jobs when they are not on the road. If you work part time, check if your employer offers part-time workers any type of basic coverage that might serve as a good temporary option until you can find a better solution.

Lastly, if you had a bad year where you worked less than normal or lost clients and, as a result, you made a lot less money then in previous years, look into Arkansas Medicaid that is designed to offer low-cost and free options to those in need. Healthcare.gov provides more information on the self-employed page. You can also apply at http://humanservices.arkansas.gov/dco/Pages/MedicaidEligibility.aspx.

Answered February 3, 2017 by doclee

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