How to get the Best and Cheapest Health Insurance for Uber Drivers

How to get the Best and Cheapest Health Insurance for Uber Drivers

In today’s time, it’s tough to find anyone who has not heard of uber before. Whether you are in the United States or in any other part of the world, Uber is now everywhere. This rideshare company grows day by day, with new registered members added to its network almost daily. If you are an Uber driver or an UberEats delivery man, you must need a health insurance plan. This article discusses health insurance for Uber drivers, costs and plans. Are you interested in finding the insurance options you have? Then you are in the right place.

Does Uber Offer any Healthcare to its Drivers or Delivery Men?

Uber does not provide health insurance. No Uber medical benefits exist as of now. Neither does UberEats have any health insurance. From the recent surveys in 2017, there are 2 million drivers who have registered on Uber instead of 160,000 in 2014. Uber health insurance is not available for this community of drivers.

The reason behind this is that all these drivers at Uber are considered as private contractors. They are not basically employees and hence cannot enjoy the health insurance provided by the employer. They cannot get any benefits that an average employee gets. The Uber drivers will have to find medical insurance on their own and sign up for their plans. Uber does help their employees to find better options and insurance companies. They have recently started Uber Stride to ensure that Uber employee health insurance becomes easy and available for all drivers.

What is Uber Stride?

Recently, Uber has partnered with Stride to help drivers and delivery men get the best dental and vision insurance easily. Stride also helps them get the best insurance at extremely low prices. In order to avail of Uber Stride, you must fulfil the following criteria:

  • You must be a United States resident.
  • You must take at least one trip each month.
  • You should be enrolled in Uber Pro.

They help you get the best insurance for uber drivers at feasible rates and support you throughout the year. Stride also occasionally provides offers and deals which make uber driver health insurance quite reasonable, hassle-free and reliable. If you qualify the criteria, find the best plan for yourself today on Stride.

Uber  Drivers Health Insurance Options

Since there is no such thing as an Uber health insurance plan, Uber drivers and UberEats delivery men have to look at other places for getting their insurance plans. Health is of the utmost importance for anyone. We just cannot wait for a medical emergency and then find that we are unable to cover the cost of the medical facility. This is very important, and it needs to be looked into seriously if you are working as a private contractor with Uber or any other rideshare company.

You might think that it will be challenging to find good health insurance if you are not getting insurance from your employer, but that is not the case. Well-known insurance companies can provide the most affordable and reliable Uber health insurance for drivers with excellent customer satisfaction. Some of the best options for Uber health insurance are as follows:

Obamacare:

The Affordable Care Act, also known as Obamacare, is the best option in the United States for covering insurance and providing the best medical facilities available. It provides coverage for over 94% of Americans.

President Obama signed the patient protection and affordable care act on 23 March 2010. This act totally changed the healthcare facility in the US. It helped families to avail affordable healthcare in places where there was no compensation for them.

You can compare Affordable Care Act-compliant health insurance plans here. These plans are also ideal for Uber and Uber Eats health insurance.

The Affordable Care Act is a good starting point if you are new to insurance plans. Their plans are categorized by metals like gold, silver, bronze and platinum. All of these plans cover at least 10 benefits which include preventive care, hospitalization, maternity and child care, rehabilitation services, mental health treatments and prescription drugs.

The CEO of Uber, Travis Kalanick in one of the articles said why Uber is “such a big fan” of Obamacare. According to him, Obamacare had been “huge” for the company. It has helped Uber drivers and Uber Eats delivery men to find affordable plans for themselves and their families. It is because of Obamacare that rideshare drivers can still continue working as independent and private contractors without worrying about health insurance.

Obamacare makes sure that employees are not only looking at their employers for medical coverage. They can also work independently with companies like Uber and still get the health insurance that they want. Thanks to the Affordable Care Act, individuals can buy their insurance through a government exchange or marketplace now. It makes the overall process less hectic and less troublesome.

If you were a 1099 employee (freelancer, independent contractor or other self-employed worker) before joining Uber then the chances are that you will already have Obamacare health insurance. When you join Uber then you can continue the same insurance plan that you had before with Obamacare. This serves as the best option for health insurance for Uber drivers.

Related: If you are a freelancer, or self-employed worker, and want to get a complete Guideline for your Health Insurance, Learn from this article How to find the perfect Health Insurance options for freelancers in 2022 (An Ultimate Guide)

COBRA Continuation Coverage:

If you are switching your job from regular employee to Uber and are now becoming a private contractor you have another option and that is COBRA continuation coverage. You can check with your last employer’s terms and conditions and see if you are eligible for COBRA Continuation Coverage. This federal law claims that employees remain on the health insurance plan for a long time after they resign or terminate. The amount of time the insurance remains differs from company to company and from employer to employer, but at the lowest, you can get 18 months of insurance even after you switch your job and become a private contractor.

Best Uber Drivers Health Insurance Companies

In cases where you have to find a private insurance company to get a plan for yourself and your family, you might be wondering whom to contact and which company to choose. We have made your search easy by listing down some of the best insurance providing companies. These companies will greatly reduce Uber health insurance costs. They are all reliable, reputable and trustworthy companies.

1. Aetna:

This insurance company is very affordable and provides nationwide coverage. It is available in all 50 states and Washington DC. Aetna has about 1.2 million providers. This is one of the best options to consider for Health Insurance for Uber drivers. It includes vision, dental, hearing, holistic care, lifestyle and transportation coverage. This company has 5700 hospitals. You can easily purchase their plans from healthcare.gov, making enrollment and accessibility easy.

2. Cigna:

Cigna is also an affordable option for Uber medical insurance. This insurance company is available globally and nationwide, covering all 50 states and Washington DC. It has about 1.5 million providers throughout the world. Cigna has about 180 million customers worldwide and a known reputation. They are known for providing customer satisfaction. It includes HMO (Health Maintenance Organization), PPO (preferred provider organization) and EPO (exclusive provider organization) plans. It also includes dental coverage, cancer treatment insurance and heart attack and stroke insurance.

3. Blue Cross Blue Shield:

This is one of the best-known insurance companies and has built a reputation for over 80 years. They have biweekly premiums, which start at $68.48. It also includes Health Maintenance Organization (HMO) and preferred provider organization (PPO) plans. The government employees have a federal employee program (FEP). It covers vision, dental and hearing. International care is also available. Coverage for holistic care is available in only a few states. It also operates nationwide, covering all the states. It is also a reliable option for Uber driver health insurance.

4. UnitedHealthcare:

This is also one of the best rideshare health insurance companies. It has a network of over 6500 hospitals that are spread across the nation. It covers Health Maintenance organizations (HMO), preferred provider organizations (PPO), vision and dental health facilities. It also includes affordable care act plans, and Medicare options and other supplemental insurance policies to cover unexpected situations like accidents, hospitalization and travel.

5. Humana:

This company mainly focuses on the Medicare community, with over 160,000 providers throughout the nation. This is also an affordable option for Uber driver health insurance. It offers health maintenance organizations (HMO) and preferred provider organizations (PPO). It also includes dental, prescription drugs and vision coverage. It provides fitness benefits such as gym membership. Humana is also easily accessible via healthcare.gov.

Why Does Uber Drivers Health Insurance Matter?

The answer is simple: why does anyone have health insurance? Health insurance is a must for an optimal life. You do not want to land in a situation and face stress over medical bills. Being an Uber driver, you are potentially more susceptible to injuries also. Having insurance ensures that you don’t have to pay the extremely high bills from your own pocket. Once you are insured, you can drive fearlessly and confidently.

How Much Does Uber Health Insurance Cost?

Uber health insurance costs vary from company to company and from plan to plan. In general, the average national cost for individual insurance is $456 and $1152 for a family per month. You can find many options that are less than this average. If you understand the relationship between your actual use of medical facilities and the costs, then it can be helpful for you to find a plan that is affordable and fulfils your needs.

What to Look for When Choosing a Health Plan?

Being a citizen of the United States or an immigrant, you need to know what to look for before choosing a health plan. We have gathered the following tips to help you choose the best Uber drivers health insurance.

1. Look out for when and where to enroll:

Find out your state’s insurance market or visit healthcare.gov. Each state has its own exchange plans; therefore, make sure you are enrolling in the correct place. Enrollments in the federal exchange will begin around mid-December. Make sure to enroll in the right place at the right time.

2. Analyze and understand your plan:

Be very careful and thoroughly read and understand your plan before signing up for it. People generally don’t bother to read the whole plan because they think all plans are the same. It is not valid, and you will come across many different options. Analyze all of them. Write down your specific needs and look out for their coverage in your plan. Do some research before signing up. It would help if you found the Uber health insurance for drivers that best suits your needs.

3. Look at annual costs, not monthly premiums:

When we take loans, we usually look at what it is for the year instead of monthly premiums. The same should apply when looking for insurance plans. You need to compare the yearly costs instead of monthly.

4. Calculate your actual cost:

Calculate and see how much insurance you actually use. If you have less usage, choose a plan where you have to pay less for the premiums. If you are working in a dangerous area, you can invest wisely in insurance plans.

Final Takeaway

As an Uber driver, you can be exposed to a large number of dangers, and it is always wise to keep your health costs insured to avoid any stressful events. You can use vision and hearing coverage provided by Stride through the Uber platform. As for the rest of the medical coverage, you will have to research and find the option that works best for you.

You can also choose from the list we have provided or search for a different company that better suits your needs. Choosing insurance may seem like extra work, but this effort will pay you off in the long run.