Plan type▶Portable Nationwide PPO
A PPO with national network access is non-negotiable for OTR. We shortlist plans where you can use providers in every state — no surprise out-of-network bills.
Explore →For owner-operators and OTR drivers
Coverage that travels
every mile you do.
Mile Marker Health finds owner-operators, OTR drivers, and small fleet owners portable nationwide health, accident, and disability coverage that respects the actual reality of driving for a living. Free advisor guidance. No fees. No pressure.
Licensed in all 50 states
2,400+ drivers covered this year
Portable PPO
Nationwide network
OTR Accident
Cash on the road
Small Fleet
2–15 drivers
Why portable
Portable coverage is the OTR difference.
Regional HMOs fail OTR drivers. Your network from Texas means nothing when you're delivering in Idaho at 2am. We shortlist plans where every state of the contiguous 48 is in-network — same card, same copay, same coverage from Bakersfield to Bangor.
- ✓PPO networks with all-50-state provider access
- ✓Out-of-state ER visits in-network, not out-of-pocket
- ✓Coverage that follows you, not your zip code
- ✓Clear coordination with DOT physical exam providers
Coverage map
In-network in 50 states
Major PPO carriers: Aetna, Cigna, BCBS national, UnitedHealthcare Choice Plus
Solo drivers
For solo owner-operators.
Built for one rig, one driver, one career on the road.
Plan type▶Marketplace▶ACA Marketplace + Subsidy Modeling
Variable owner-operator income breaks most calculators. We get the math right so your subsidy doesn't get clawed back at tax time.
Explore →Supplemental▶Accident Insurance — Highway-Specific
Cash benefits paid on collision, load injury, slip-and-fall at terminals. Pairs with your health plan to cover deductibles and lost trips.
Explore →
Vision▶Vision Coverage (CDL-Critical)
CDL renewal requires passing vision testing. Vision coverage matters more for you than for most — keep your medical card current.
Explore →Families & fleets
For trucking families and small fleets.
When it's not just you in the cab — or you've got drivers running for you.
Family▶Family Coverage on the Road
Plans that cover your family at home while you work nationwide. Pediatric, maternity, and dependent coverage that respects your route.
Explore →Group▶Small Fleet Group Plans (2–15)
Build benefits for the drivers who drive for you. Group health, vision, and accident plans designed for owner-led trucking outfits.
Explore →Disability▶Short-Term Disability for OTR Income
Critical when an injury keeps you off the road. Replace truck income for the weeks or months you can't drive.
Explore →Critical illness▶Critical Illness Supplement
Lump-sum coverage for cardiac, neurological, and cancer events — the conditions DOT physicals flag most often.
Explore →DOT Physical & Health
DOT physical, CDL maintenance, and your health coverage.
Your medical card and your health plan are two sides of the same career. Cardiovascular conditions, type 2 diabetes, sleep apnea, vision — the issues that flag a DOT physical are exactly the issues a good PPO with strong primary care helps you stay ahead of.
The case for proactive health care over reactive: a $40 monthly statin beats a $4,000 ER cardiac workup that pulls your card.
Cardiovascular screening
Diabetes management
Sleep apnea pathways
Vision certification
Who we work with
Drivers and fleet owners we work with.
Solo Owner-Operator
Independent contractor running their own rig. Portable PPO foundation, accident layer, vision for CDL renewal.
OTR Long-Haul Independent
Crossing state lines weekly. Network access is everything — we build coverage around the highway, not your home zip.
Regional Carrier Driver Without Benefits
W-2 but no employer benefits. ACA Marketplace path with subsidy modeling that handles per-mile variability.
Small Trucking Fleet Owner
2–15 drivers. Group plan setup that's also a recruitment lever in a tight CDL market.
How it works
Four steps. One advisor for every mile.
01Step
Map your route
Trade, income, household, state. Five minutes.
02Step
Compare carriers
Within 24 hours, 3–5 portable plans on the table.
03Step
Enroll
One email exchange. Advisor handles paperwork end-to-end.
04Step
Stay with us
Renewals, life events, claims — your advisor stays.
Driver stories
Driver stories.
Rick W.
Owner-operator, 15 years OTR · Texas
"I'd been on a Texas HMO that didn't cover me out of state. Mile Marker found me a PPO with nationwide network — first ER visit in Idaho was in-network."
Denise C.
3-truck family fleet · Indiana
"Setting up family coverage and small fleet group coverage in one conversation saved me weeks of phone tag."
Marcus L.
New CDL transitioning to owner-operator · Atlanta
"I didn't realize how good I'd had it with the company plan until I left. Mile Marker walked me through every option."
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FAQ
Frequently asked by drivers.
- We focus on PPO plans from national carriers — Aetna, Cigna, BCBS national network, UnitedHealthcare Choice Plus — where the same in-network rates apply in every state. We compare your monthly cost, deductible, and out-of-pocket maximum across the shortlist.
Editorial
Notes from the road.
Owner-Operator Health Insurance 2026: The Complete Coverage Guide
Everything an independent trucker needs to know about PPO vs HMO, subsidies, and supplemental layers.
DOT Physical, CDL Maintenance, and Health Insurance
How your coverage affects your career. The conditions that flag your medical card — and the ones you can manage with the right plan.
Portable Health Plans for OTR Truckers
Why your home-state HMO is the wrong choice — and how to spot a PPO that actually travels with you.