Moran Insurance Group
Licensed Insurance Brokers
Call us today
863-270-9820
Husband-and-wife teams are taxed as one household, so the subsidy line, the plan network and even underwriting work differently than they do for a solo driver. Here is how to set it up so neither of you is the weak link.
A married team filing jointly is one household for the Marketplace, so the 2027 tax credit ends at $86,560 of combined MAGI for two people, or higher with kids. Many teams with strong gross revenue land under that once truck expenses come off; teams over it who are both healthy should price a private nationwide PPO plan too.
Because you share a truck, you also share a schedule, so a network that works for one of you works for both. That makes team drivers one of the clearest cases for a national network: you are almost never home at the same time as your plan's local doctors.
Unmarried co-drivers are a different situation. Each one is their own household and runs the numbers separately, and each buys an individual plan.
Underwriting looks at each applicant. If one spouse is healthy and the other takes daily medications or has a history underwriting would exclude, you do not have to put both of you on the same type of plan:
Whether a split saves money depends on your ages, your state and the credit, so we price it both ways. Do not cancel anything until the new coverage is approved in writing.
If both of you are W-2 drivers for a carrier, each of you is usually offered the employer plan, and one of you can typically cover the other as a spouse. Compare the employee-plus-spouse price to two separate options before you assume the company plan is cheaper, and check its network for the lanes you run. A regional HMO from a carrier based in one state can be a poor fit for a team that runs coast to coast.
If an employer offer is affordable under the IRS test, the spouse it covers usually cannot get a Marketplace credit instead. That rule decides more team-driver plans than price does.
A trucking company owned and staffed only by a married couple is not eligible for small group health insurance, because group coverage needs at least one employee who is not an owner or an owner's spouse. Hire one W-2 driver or office employee and group, level-funded and ICHRA options open up. Until then you buy individual coverage and deduct it as self-employed owners, within the Form 7206 limits.
Keep the books clean. Premium deductions, per diem for both drivers and retirement contributions all depend on records that show who earned what.
Self-employed and 1099 income is counted after expenses. Our free calculator shows which side of the 400% line you land on in about a minute, with results right away and no sign-up.
For a two-person household it is $86,560 of modified adjusted gross income, which is 400% of the poverty line. Each dependent you claim raises the line by $22,720.
Yes. Each person can enroll in a different kind of coverage. A spouse with a health condition can take a Marketplace plan, and if your household is under the line the credit is based on your combined income.
Each applicant on a private plan is underwritten. If one of you would be declined or have a condition excluded, splitting coverage is usually the better route.
Not with only the two of you. Small group coverage requires at least one employee who is not an owner or an owner's spouse.
Checked October 14, 2026. Rules and dates change; confirm before you act.
Three quick taps and a ZIP code. One licensed broker calls you once with every plan you qualify for. Your information is never sold.
Start the 60-second form → Or call 863-270-9820, Monday to Friday, 9am to 5pm ET