MILE 00. CINEMATIC OPEN

Health coverage
for the long road.

Built for OTR drivers, owner-operators, and team rigs that live weeks at a time on the interstate. Multi-state networks. Sleep apnea care. Telehealth from mile-marker anywhere. A free quote in two minutes.

LIVE ADVISORS · 47 STATES
47,000+ DRIVERS COVERED
MILE 01.
47,000+
truckers covered through our advisors
MILE 02.
$5,200
average annual subsidy for OO drivers
MILE 03.
24-HR
callback from advisors who know trucking
MILE 04. WHY IT MATTERS

OTR life puts your body through it. Coverage has to keep up.

Weeks on the road = sleep apnea risk

DOT physical–friendly plans that cover CPAP titration, sleep studies, and follow-ups so your medical card never lapses.

Sitting 11 hours strains everything

Chiropractic, physical therapy, and pain management included on most plans we recommend.

You cross state lines every day

Multi-state PPO and national network options. Care in the state you're hauling through, not just where you sleep.

Truck stop food = real cardio risk

Preventive screenings, statins, diabetes care, and 24/7 telehealth — covered visits that pay off long-term.

MILE 05. WHO WE COVER

Long-haul roles we cover.

Solo OTR Drivers — long-haul trucker insurance
ROLE 01.

Solo OTR Drivers

Weeks on the road, home for resets

Owner-Operators — long-haul trucker insurance
ROLE 02.

Owner-Operators

Your truck, your business

Team Drivers — long-haul trucker insurance
ROLE 03.

Team Drivers

Two drivers, one rig, coast to coast

Lease Operators — long-haul trucker insurance
ROLE 04.

Lease Operators

Driving on a carrier's authority

Hazmat & Specialty Haul — long-haul trucker insurance
ROLE 05.

Hazmat & Specialty Haul

Endorsements that require careful coverage

MILE 06. ROUTE

Three exits to coverage.

01
EXIT 01

Pull off and tell us about your driving

Two-minute questionnaire — solo or team, OO or lease, hazmat or not, home base.

02
EXIT 02

We compare plans for the long-haul life

Multi-state networks, sleep apnea coverage, telehealth — all weighed against your route.

03
EXIT 03

Free advisor call within 24 hours

Talk to a licensed agent who knows trucking. From the cab, the truck stop, or home.

MILE 07. STORIES

Stories from the road.

Hank R. — Owner-Operator · Memphis, TN

"Got my sleep apnea diagnosed in Salt Lake, treated in Memphis, follow-up over telehealth from a truck stop in Indiana. Plan never blinked."

Hank R.
Owner-Operator · Memphis, TN
★★★★★
Marisol & Eddie — Husband-Wife Team · Phoenix, AZ

"We're both gone three weeks at a time. The family plan covers the kids back home and us out here. Same card, same network, coast to coast."

Marisol & Eddie
Husband-Wife Team · Phoenix, AZ
★★★★★
Carla J. — Solo OTR, 14 yrs · Charlotte, NC

"First time in fourteen years I've had real coverage I can actually afford. Advisor didn't talk down to me. Knew what an HOS reset was."

Carla J.
Solo OTR, 14 yrs · Charlotte, NC
★★★★★
MILE 08. THE QUOTE

Get a quote built for
life on the road.

Two minutes from the cab or the kitchen table. A licensed advisor who actually understands OTR schedules will follow up with options that fit your route.

  • Licensed in all 50 states — coverage that follows the route
  • Compare plans from 50+ carriers built for life on the road
  • No SSN required to get a quote
  • Free service — no obligation, ever
  • Talk to a real licensed advisor who knows OTR life

Get your free quote.

Takes under two minutes. No SSN required.

By submitting, you agree to be contacted by Long Haul Life Health and its licensed insurance partners by phone, SMS, or email about coverage options. Consent is not a condition of purchase. No SSN required.

MILE 09. FAQS

FAQs from drivers.

Most OOs do best with an ACA marketplace plan (often with a meaningful subsidy based on Schedule C income) or a private PPO with a national network. We'll model both against your route and income.

Most plans we recommend cover sleep studies, CPAP titration, equipment rentals or purchase, and follow-up visits. We make sure your medical card requirements stay funded.

We prioritize PPO and national-network plans (BlueCard, Cigna PPO, Aetna national) so an in-network ER or urgent care is rarely more than a few exits away.

Every plan we quote includes 24/7 telehealth — usually $0 copay. Refills, urgent issues, mental health visits, all from the cab.

Yes — Schedule C self-employed health insurance deduction generally applies. We'll walk you through documentation but recommend confirming with your tax pro.

Absolutely. Family plans are standard; the network covers them at home and you on the road on the same ID card.

Lease operators are typically 1099 for benefits purposes, which means you buy your own coverage but you also qualify for marketplace subsidies based on net income.

Yes — all ACA-compliant plans cover mental health parity. Most include telehealth therapy and psychiatry, often with low or zero copay.