Updated for 2027
I drive for rideshare or delivery apps. Where do I get health insurance?
The apps usually treat drivers as independent contractors, so most drivers buy their own plan through the Health Insurance Marketplace, where any savings are based on your expected net income after expenses like mileage. Your price depends on that income estimate, your household, your ZIP code, and the plan you choose, and if your earnings change week to week you can start with your best estimate and update it during the year. You can enroll during Open Enrollment each fall, or within 60 days of a qualifying life event such as losing other coverage.
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Common questions
Do the rideshare and delivery apps give drivers health insurance?
Generally no, because drivers are usually independent contractors rather than employees. Check your app’s driver benefits page to see if anything is offered where you drive.
What income do I report if my earnings change every week?
Estimate your net income for the whole year, after business expenses, and include any other household income. If it turns out higher or lower, update your application so your savings stay close to right.
Does mileage lower my income for the Marketplace?
Business expenses you deduct, like mileage, lower your net self-employment income, and net income is what the Marketplace uses.
Can I get coverage outside Open Enrollment?
Yes, within 60 days of a qualifying life event such as losing other coverage, moving, or having a baby. Medicaid enrollment is open all year if your income is low enough in your state.
General information, not tax or legal advice. Rules, savings and plan choices vary by state and household.