Derek Rivas Health Insurance

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?

10/02/2025

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

❌ No HMO/EPO ❌
✅ Yes Nationwide PPO ✅

Business owners tap below to learn more about these plans!