Health Insurance for Independent Owner-Operators: Coverage That Travels the Highways With You

As an independent owner-operator, you’re not just a driver — you’re a business owner. You’re responsible for keeping your truck running, securing loads, managing your books, and making sure your business stays profitable. That independence is rewarding, but it also means you don’t have the benefits a company driver might get from their employer — like health insurance.

And let’s be honest: when you’re on the road, the last thing you want to worry about is whether you’re covered if something happens to you or your family. That’s where Lehrman Group comes in.

For more than 35 years, we’ve been helping truckers just like you get affordable health insurance plans that fit the unique demands of life on the road. And the best part? Our trucker health plans give you access to the entire Blue Cross Blue Shield (BCBS) nationwide network of doctors and hospitals — one of the largest and most trusted networks in the country.

Why Owner-Operators Need the Right Coverage

When you’re self-employed, your health is your livelihood. A medical emergency doesn’t just affect your well-being — it can sideline your truck, your business, and your income. That’s why having solid, nationwide coverage isn’t just a nice-to-have — it’s essential.

Here’s what makes health insurance for truckers different:

• You’re always on the move. You’re not tied to one state, so you need coverage that works wherever you are — not just near your home base.

• Unpredictable schedules. You can’t always plan ahead for doctor visits, so having access to urgent care, ERs, and telemedicine across the U.S. is a must.

• Family responsibilities. Many owner-operators want their spouse and kids covered too, so they have peace of mind when they’re away on the road.

• Financial protection. One accident or hospital stay without insurance could cost more than a brand-new set of tires, a transmission repair, or even your truck.

The Plans We Offer to Truckers

At Lehrman Group, we’ve built health insurance options that make sense for truckers who live life on the highway. All of our trucking plans use the Blue Cross Blue Shield nationwide network — which means whether you break down in Boise, pick up a load in Dallas, or deliver in Detroit, you’ll find in-network providers nearby.

Here’s a look at the plans:

1. Major Medical Insurance Plans

Our major medical options provide full, ACA-compliant coverage that includes doctor visits, hospital stays, emergency care, prescriptions, and preventive services.

• Access to the entire BCBS nationwide network

• Covers pre-existing conditions

• Options for individuals or families

• Designed for stability and peace of mind

If you want comprehensive coverage that protects your health and your business, this is the most reliable choice.

Why Blue Cross Blue Shield Is a Game-Changer for Truckers

Most health insurance networks, especially on ObamaCare plans, are limited by geography — they work fine if you stay in your home state, but fall apart once you cross the border. That doesn’t work for an owner-operator hauling freight across multiple states each week.

That’s why having Blue Cross Blue Shield nationwide coverage matters:

• In-network doctors and hospitals in all 50 states

• 24/7 urgent care access no matter where your route takes you

• Telehealth options when you can’t make it into a clinic

• Peace of mind knowing you’ll never be stranded without coverage

Simply put, BCBS gives you the flexibility and freedom you need as a business owner on the road.

Why Lehrman Group?

There are plenty of websites out there offering “cheap insurance,” but as an independent owner-operator, you can’t afford to gamble on your health or your business. Here’s why drivers choose Lehrman Group:

• Over 35 years of experience. We’ve been helping truckers and their families get covered since 1988.

• Trusted carriers. We work with major providers — especially Blue Cross Blue Shield — to give you nationwide coverage.

• Plans built for truckers. We understand your lifestyle and design options around it.

• Personal service. When you call, you’ll talk to a real person who can explain your options and help you choose the right plan.

Take the Wheel on Your Health Coverage

As an independent owner-operator, you already carry the responsibility of running your own business. Let us take the stress of health insurance off your plate.Your truck keeps America moving — let us help keep you and your family healthy, protected, and on the road.

Call us today at (800) 600-9663 or visit TruckerPlans.com to request a free quote.