Derek Rivas Health Insurance

08/04/2026

Are you self-employed and overpaying on taxes?

If you report a net profit on Schedule C or F, you can often deduct 100% of health, dental, and qualified long-term care premiums for yourself, your spouse, and dependents. It comes off on Schedule 1 and lowers your AGI. You don’t have to itemize.

A lot of people miss this simply because nobody walks them through it.

07/08/2026

Somebody asked me last week "am I overpaying for my health insurance?"

I asked him what his deductible was.

He didn't know. Been paying the plan for 4 years.

Not judging him at all btw, that's most people. Me included before I got into this business. You set it up once, it comes out of the account every month, and you never look at it again.

But if you're self employed, nobody's looking at it FOR you either. No HR lady down the hall. It's just you.

So real question, — do you actually know your deductible right now without looking it up? Be honest lol

06/08/2026

Health Plans for South Carolina Self Employed, 1099 and Small Business Owners!!

❌ No HMO/EPO ❌
✅ Yes Nationwide PPO ✅
Business owners comment below to learn more about these benefits!

03/30/2026

A lot of people ask me: "What exactly is a private health insurance plan?"

Here's the simple version:

The ACA marketplace charges you based on your age and income. Everyone pays similar rates regardless of how healthy they are.

Private medically underwritten plans work differently. They look at YOUR actual health and reward you if you're in good shape.

For people who are healthy — this usually means:
✅ Lower monthly premium
✅ Lower deductible
✅ Better benefits
✅ Apply any time of year

It's not for everyone. But for the right person, it's a game changer.

Want to know if you'd qualify? Comment below or send me a message.

Call now to connect with business.

03/29/2026

A client called me last year — let's call him Mike.

Mike had just left his corporate job to start his own business. HR sent him COBRA paperwork. $1,400/month for his family of four.

He called me thinking that was just what self-employed health insurance costs.

It doesn't. I found his family a private plan with equivalent coverage at $620/month.

He saves $9,360 a year. Not because he's lucky. Because he asked.

Are you on COBRA right now? Let's talk. 👇

03/28/2026

I want to introduce myself properly.

I'm Derek — a licensed health insurance advisor licensed in 32 states.

Over the last 6 years I've helped 500+ families find better coverage. Sometimes the same plan they have, just optimized. Sometimes a completely different plan that saves them hundreds a month.

I'm going to share what I know here. Ask me anything — there are no dumb questions when it comes to something this important.

👇 What's your biggest health insurance frustration right now?