Health insurance for Uber, Lyft & gig drivers
You chose the freedom of driving on your own schedule — now get health coverage that moves with you, without an employer plan.
Schedule a Consultation
4 out of 5
Marketplace enrollees qualify for premium tax credits
60 days
Special enrollment window after a qualifying life event
$0
Cost to have us shop and enroll you
Why rideshare & gig drivers is different
Driving for Uber, Lyft, DoorDash, Instacart, or Amazon Flex means you are running a business of one. There is no HR department, no open-enrollment email, and no employer picking up half the premium — but that does not mean good coverage is out of reach.
Most drivers dramatically overestimate what a plan costs because they never enter their real, self-employed income into the marketplace. Once premium tax credits are applied, a solid plan is often far cheaper than the sticker price — and we do that math with you before you commit to anything.
We understand your challenges
- No employer-provided benefits of any kind
- Income that varies week to week and season to season
- Confusing marketplace options and enrollment windows
- Rideshare insurance covers the car — nothing covers you
- Missing out on tax credits by guessing at income
How we help
- Plans matched to your actual income so tax credits work in your favor
- Year-round enrollment help — even outside open enrollment if you qualify
- Dental, vision, and accident coverage for time on the road
- Guidance on deducting premiums as a self-employed driver
- A real person to call when a claim or bill looks wrong
What we put in place
Subsidy-optimized marketplace plans
We estimate your net self-employed income correctly, then match you to the plan where your tax credit goes the furthest.
Accident & hospital indemnity
Cash benefits paid directly to you after an accident or hospital stay — because a week off the road is a week without income.
Dental, vision & prescription savings
Standalone dental and vision plans plus Rx discount options, so routine care does not become an out-of-pocket surprise.
Income protection & Debt Free Life
Disability coverage and cash-value strategies that build a safety net when no employer is building one for you.
Who we help in rideshare & gig drivers
- Uber and Lyft drivers
- DoorDash, Uber Eats, Grubhub, and Instacart couriers
- Amazon Flex and last-mile delivery drivers
- Non-CDL box truck and courier owner-operators
- Drivers stacking gig work with a part-time job
The coverage starts with you, but it stays with them.
Employees can keep their benefits for as long as they want — even if they move to a new job.
Frequently asked questions
Can Uber or Lyft drivers get affordable health insurance?+
Absolutely. Most rideshare drivers qualify for ACA marketplace plans with premium tax credits — many pay far less than expected. We do the math for you before you enroll.
What if my income changes during the year?+
We help you estimate income correctly and update it if it shifts, so you keep the right subsidy and avoid surprises at tax time.
Can I get coverage if I drive part-time alongside another job?+
Yes — we look at your whole picture, including any employer options, and build the most affordable combination.
I missed open enrollment. Am I stuck?+
Not always. Losing other coverage, moving, marriage, or a new child all open a 60-day special enrollment window. We can also look at private and short-term options in the meantime.
Are my premiums tax deductible?+
As a self-employed driver, health insurance premiums are often deductible against your business income. We show you the structure and let your tax preparer confirm it.
What happens if I get hurt and can't drive?+
Health insurance handles the medical bills, but accident and disability plans replace the income you stop earning the moment you park the car. For gig workers, that second layer matters more than most people realize.
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