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How to get up to $409 per month to help pay for health insurance.

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If you’re a rideshare or delivery driver in California, you can get up to $409 a month from your delivery or rideshare company to help pay for health insurance as part of new legislation known as Prop 22.  Let’s take a look at how that works.

The Basics

Under the new California Prop 22 legislation, companies like Uber, Lyft, DoorDash, Postmates, and Instacart are required to give California drivers a "health insurance stipend," which is money you can use to help pay for health insurance.

Depending on how much you drive, that stipend could be as much as $409 per month. Why that amount? It's set by Covered California, the state's health insurance administrator, and based on the average prices of health insurance plans for this year—which means that amount could change each year depending on how insurance prices change. 

What do I need to do to get the stipend?

If you drive at least 15 hours per week on average over the course of a quarter for a rideshare or delivery company and pay for your own health insurance, you're eligible to receive the stipend. The amount of the stipend depends on how many hours you drive:

  • If you drive between 15 and 25 hours per week on average, you’re eligible for 50% of the stipend, which is $204.50 per month.

  • If you drive 25 hours or more per week on average, you’re eligible to receive 100% of the stipend, which is $409 per month.

There are 3 important things to keep in mind here:

  1. The number of hours you drive per week will be calculated on a quarterly basis. This means you’ll need to average at least 15 hours per week or more for the entire quarter in order to receive the stipend for that quarter.

  2. These hours are based on your "engaged time," which is the time from accepting a drive to completing the drive. It does not include the time spent waiting between rides.

  3. You’ll need to provide proof that you’re enrolled in a health insurance plan in order to receive the stipend.

How will I know if I'm driving enough hours to get the stipend?

The delivery or rideshare company you work with will provide a statement of your engaged time.

Do I have to use the stipend for health insurance?

Yes. In fact, you’ll need to provide your delivery or rideshare company with proof that you’ve personally enrolled and remained in an eligible health insurance plan. For anyone who uses Stride to find and enroll in health insurance, you'll be able to grab a document from your Stride dashboard that you can submit to your rideshare or delivery company.

Keep in mind you can only use the stipend to pay for health insurance you get on your own, and it can't be used for health insurance from an employer, through your spouse’s employer, Medicaid, or Medicare.

SPONSORED BY OSCAR

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Oscar is doing health insurance a bit differently. They offer a unique virtual care experience from the comfort of your own home, at work, or on the go. Plus, with Oscar's Virtual Urgent Care, you can connect with a doctor for $0 in as little as 15 minutes.

Every Oscar member is also paired with a dedicated team of care guides and a licensed nurse. Each time you call, you'll connect with the same team who knows your health history and can help find a doctor that is right for you.

If you'd like to enroll in an Oscar plan through Stride, here's how to do it:

  1. Visit the Oscar + Stride site here

  2. Follow the steps to enter your zip code, age, doctors, prescriptions and medical conditions

  3. Once you get to your health recommendation page, scroll down to click "All Plans" on mobile or click "All Plans" on the left-hand menu on desktop

  4. Use the Filter at the top of the page and check the box next to "Oscar."

Then you'll see a list of Oscar plans along with details on everything they cover.

p.s. you have until May 15th to enroll in health insurance for this year, so if you haven't done that yet, make sure you get covered today!

Here's an example of how the health insurance stipend works:

Let’s say you enroll in a health insurance plan that costs $500 a month. If you drive more than 25 hours a week for a delivery or rideshare company, you'd be eligible to receive a stipend of $409 a month from that company, which means you’ll only pay $91 per month for your health insurance plan.

If you worked 15 hours per week, you’d be eligible to receive $204.50 per month, which would mean your $500 per month health insurance plan would only cost you $295.50 per month.

Making health insurance more affordable for delivery and rideshare drivers.

It's more important than ever to have health insurance to cover any unexpected medical expenses. On average, Stride members pay less than $70 per month for quality, Affordable Care Act health insurance, and the stipends that are now available to rideshare and delivery drivers will make getting health insurance more affordable than ever.

Head over to Stride today and make sure you’re getting the coverage you need to keep you and your loved ones healthy and safe!