Your plan costs more than your truck payment. It shouldn’t.
Your plan costs more than
your truck payment.
Your agent compares total cost - premium + deductible + OOP max - across national PPO networks from BlueCross, UHC, Aetna, Cigna & more. Works across state lines. Most OTR drivers save $200–400/mo. $0 fee.
The people on the other end of the line.
Most OTR drivers are overpaying by $200–400/mo.
Your plan doesn't have to be expensive - it has to be right. National PPO, DOT physicals covered, and total cost that makes sense. Here's who saves the most.
National PPOs from $180/mo after subsidies. Same networks, fraction of the price.
AGI after business deductions often qualifies for $300–500/mo in tax credits. We check live.
60-day Special Enrollment. Don't freeze - we narrow 200 plans to 3 with national networks.
Family PPOs that cover them at home while you're on the road. Total cost compared side-by-side.
Three steps. About twelve minutes.
A licensed agent picks up in under a minute. No phone tree, no hold music.
Home ZIP, ages, your OTR schedule, doctors, and meds. We check networks across every state you run.
Total cost - premium + deductible + OOP max - across national PPOs from 6+ carriers. Pick and enroll, same call.
Twelve minutes. Here's the script.
We tell you exactly what your agent will ask, in what order - so you know what to have in front of you before you pick up.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
PPO, HMO, EPO - in plain English.
For truck drivers (OTR / CDL): National PPO networks are usually the right call for OTR - they work across state lines.
Any in-network provider, no referrals. Out-of-network covered at lower rates.
Pick a primary care doctor. Specialists need referrals. Care stays in-network.
PPO-style flexibility within a defined network. No referrals, no out-of-network.
What a 12-minute call actually saved these drivers.
"Was paying $890/mo for COBRA after going owner-op. Agent found a BCBS PPO with the same national network for $342. Same doctors, saves me $6,500 a year."
"Didn't know I qualified for a subsidy as an owner-operator. Turns out my AGI put me at $380/mo in tax credits. That's $4,560 a year I was leaving on the table."
"The cheap plan I almost picked on Healthcare.gov had zero out-of-state coverage. Agent caught it, found me a national PPO for $60/mo more that actually works OTR."
"I started this in 2014 after getting burned by a quote-form site when I was uninsured between jobs. We're the brokerage I wished existed then - one call, one licensed agent, real plans, no spam."
Common questions for truck drivers (OTR / CDL).
Total cost = premium + deductible + out-of-pocket max. Most OTR drivers we help pay $180–$480/mo after subsidies. A $200/mo plan with a $9,000 deductible costs more than a $340/mo plan with a $2,000 deductible. Your agent compares total cost, not just the sticker price.
Yes - a national PPO from BlueCross or UnitedHealthcare lets you see in-network providers in any state without referrals. Your agent confirms the specific national network before you enroll. This is the step Healthcare.gov skips.
Very likely. Roughly 4 out of 5 marketplace enrollees qualify. Owner-operators often qualify based on AGI (after business deductions), which is lower than gross revenue. Your agent checks in real time - most drivers are surprised.
If you're an owner-operator and not eligible for employer coverage through a spouse, your premiums may be 100% deductible on Schedule 1. We can also show you HSA-eligible plans for additional tax savings.
Most major medical PPO plans cover DOT physicals as preventive care or a standard office visit. Your agent checks the specific coverage before recommending a plan.
No. We're one brokerage, not a lead-gen site. Your info stays with us. No follow-up spam, no drip campaigns, no selling your number. BBB A+ rated.
100% free to you. Carriers pay us a flat commission - the same amount regardless of which plan you pick. Zero incentive to push one carrier over another.
12 minutes. Real savings.
Most OTR drivers qualify for subsidies they didn't know about. One call, one agent, $0 fee.
(866) 605-0702