Affordable, competitive and stable coverage.
Securing health insurance as an independent contractor shouldn't be complicated or expensive. With TrueChoices it's simple and flexible — giving you peace of mind.
TrueChoices
Health insurance for you and your family.
Flexible coverage
Portable benefits
Competitive rates
TrueChoices makes it simple to find coverage that fits. Choose from a range of plans designed specifically for truck drivers, whether you need essential protection or a little extra peace of mind. No paperwork to start. Just straightforward, reliable options you can count on.
Coverage options for professional drivers
Get access to plans designed for drivers, giving you and your family peace of mind.
Health
Dental
Vision
Accident & Critical Illness
Life
Disability
Why motor carriers facilitate TrueChoices
When you offer TrueChoices to independent contractors, you can promote a healthier, more stable workforce and reduce costly turnover, which helps:
Attract top talent in a competitive market
Boost retention and loyalty with cost-effective, stable benefits
Lower costs by cutting turnover and replacement expenses
Improve productivity with healthier, more focused drivers
Carriers offering our program have seen turnover drop by up to 46% and reported millions in annual savings.6
Quick-start guide
This quick-start guide walks you through the basics of choosing the right benefits for your unique situation. From understanding your options to getting a personalized quote in minutes, it's your go-to resource for health insurance made easy.
3 easy steps to get started
1
Assess your needs:
Evaluate your needs and those of your dependents.
2
Understand the types of coverage:
Determine which coverage options you're interested in.
3
Get your personalized quote:
Reach out to our team at 800-877-9637 or fill out this form.
FAQs
Can I get coverage for my family?
Yes. Coverage is available for families of owner-operators.
Can I get coverage for my family if I am not married?
Yes. Your children can be covered even if you are not married or residing with your children.
How long can I keep my children covered?
Your children can stay covered under your policy until they are 26 years of age regardless of student status.
Do you offer Affordable Care Act (ACA) compliant solutions?
Yes, ACA compliant major medical options are available in all states.
If I have a pre-existing condition, can I still get coverage?
All plans are guaranteed issue; however, there may be benefit limitations based on the timing of a pre-existing condition. Call our team of specialists for additional information.
Do I have to fill out an application?
Applications are completed over the phone with an electronic enrollment confirmation sent immediately upon completion. Simply call 800-877-9637 to get started.
Do I need disability if I have occupational accident?
Disability protects your income if you are hurt off the job or become ill and are unable to drive.
Do I have to take a physical for life insurance?
No, all policies are guaranteed issue without the need of a physical. Policy limits vary by program eligibility.
Does the dental plan cover major restorative care?
After 12 months, major restorative care is covered at 50%, diagnostic and preventative care is covered 100% and basic care is covered at 80% at the time coverage is bound.
"TrueNorth is the easiest insurance brokerage company I have ever dealt with. They provided so much care and comfort when my wife was diagnosed with cancer, they literally walked me through the claims process. The financial support this policy provided was an enormous weight off my shoulders."
Michael Lemon
Independent Contractor
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"As an owner-operator, I know I can rely on TrueNorth to meet my needs, whether it be in truck insurance or personal insurance. I would definitely recommend them to do business with."
Neal Cook
IA Client
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"TrueNorth has been an excellent resource for my entire family. No one in the industry works as hard to answer in real time and do it as effectively as TrueNorth."
Myke Rockenstyre
Independent Contractor
View Independent Contractor Resources