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Uber is a multi-billion-dollar transport company that provides passengers with safe, secure, and affordable rides. Currently, it’s working in dozens of countries, including the USA. Uber partners with qualified and experienced drivers that go back and forth to pick up passengers and drop them off at their destinations. Given the high financial worth of Uber, it’s obvious that it has employed many drivers. However, Uber drivers are more like independent contractors, not employees. It’s because Uber Drivers have no long-term contracts with the company, and they don’t have any duty hours restrictions.

As Uber drivers are not full-time employees, Uber is not responsible for providing them with health insurance. It means Uber drivers have to get their own health insurance policy. Many public and private insurance programs offer health insurance for Uber drivers. So, being an Uber driver, you have many health insurance options available that we’ll discuss briefly in this article.

Health Insurance options for Uber Drivers

·      Obamacare (Affordable Care Act)

Uber drivers fall in the category of the 1099 workers, which makes them eligible for Affordable Care Act plans. ACA is a federal law intended to improve access to health insurance for US citizens. You can enroll yourself in the Affordable Care Act program to get comprehensive healthcare coverage with the following benefits:

• Ambulatory outpatient services
• Emergency care
• Inpatient hospital services
• Maternity care
• Prescription drugs
• Mental and behavioral health services
• Rehabilitative services
• Laboratory services
• Pediatric services

One of the most significant advantages of the ACA plan is that it has no time limits on care. Furthermore, Uber wants its drivers to have Obamacare health insurance. In a recent statement, the CEO of Uber, Travis Kalanic, was quoted as saying, “Uber is such a big fan of Obamacare.”

·      COBRA Continuation Coverage

COBRA (The Consolidated Omnibus Budget Reconciliation Act) Continuation coverage covers workers transitioning from employment to independent contractors. So, if you have joined Uber from a company where you were full-time employed, and that company had 20 or more employees at the time you left it, you can continue your health insurance coverage with the same benefits that you were getting from group health insurance of your previous employer, under the COBRA Continuation coverage. COBRA Insurance coverage usually lasts for 18 months from the date you left your previous company.

·      Individual Health Insurance policy through a marketplace plan

Many insurance companies in the market are providing health insurance for Uber drivers. You can take out an affordable health insurance plan that can meet your healthcare coverage needs. An individual health insurance policy offers all the essential benefits that you can expect from ACA or a federal health insurance plan. The average cost of an individual health insurance plan can range from $221 to $839.

How to choose the Best Uber Health Insurance for You

You can choose the right Uber Health insurance plan by analyzing your coverage needs and doing some market research. However, if you want to get the cheapest option for Uber health insurance without wasting your valuable time researching the market, hire the services of a Professional Health Insurance Advisor. Working with a health insurance advisor will help you find the right health insurance plan to meet your needs and budget.