Health insurance has never been simple in trucking. For owner-operators and small carriers, it’s often one of the most confusing, expensive, and emotionally loaded parts of running the business. And in 2026, that pressure could increase — not because of a new law, but because a temporary one may quietly run out. Several provisions tied to the Affordable Care Act (ACA) are scheduled to expire at the end of 2025 unless Congress acts. If that happens, the way many self-employed drivers and small fleet owner ...