It figures... Just like old times.... I get a last minute call to run a load from Utica, Mi to Dayton, Oh.
Guess what, you got it.... The load is not ready! Shipper made it seem like it was such an emergency. Oh well.
Health insurance is a subject that has been discussed many times over the years. There is no single fits all answer.
Here is a link to a search on the subject.
https://www.expeditersonline.com/forums/search/29567832/?q=Health+insurance&o=date&c[title_only]=1&c[node]=9
Spend some time reviewing faq's.
Most of your questions have been covered many times over.
https://www.expeditersonline.com/forums/forums/newbies-faq.24/