“Your Health, Your Coverage, Your Peace of Mind.”
At DRV Financial Services LLC, we believe that your health deserves reliable protection — not uncertainty.
Our Health Insurance plans are designed to provide affordable, comprehensive coverage that adapts to your personal and family needs.
We guide you through the entire process so you can access the best benefits, qualify for federal subsidies under the Affordable Care Act (ACA), and enjoy the peace of mind that comes with being protected.
Below is a complete overview of how Health Insurance works, the types of coverage available, and how we help you choose the right plan for your goals and budget.
Marketplace Health Insurances
The Affordable Care Act (ACA), commonly known as Obamacare, offers health insurance plans through the official Health Marketplace.
These plans are regulated by the U.S. government and guarantee access to quality healthcare while protecting you against unexpected medical costs.
All ACA Marketplace plans must cover the 10 Essential Health Benefits (EHB) required by federal law:
- Ambulatory (outpatient) services
- Emergency services
- Hospitalization (including surgery)
- Maternity and newborn care
- Mental health and substance use treatment
- Prescription drugs
- Rehabilitative and habilitative services
- Laboratory services
- Preventive and chronic disease management
- Pediatric services, including dental and vision care
ACA Marketplace plans are ideal for individuals and families who want complete coverage and may qualify for government subsidies to reduce their monthly premium costs.
Categories:
Every Marketplace plan is categorized into “metal tiers,” which determine how medical costs are shared between you and the insurer:
- Bronze: Lowest monthly premiums, higher deductibles. Best for healthy individuals seeking basic protection.
- Silver: Balanced premiums and deductibles. Eligible for cost-sharing reductions (CSR).
- Gold: Higher premiums but lower out-of-pocket costs. Great for families and those with frequent medical needs.
- Platinum: Highest coverage and lowest deductibles. Ideal for those who prioritize maximum protection and predictable costs.
At DRV Financial Services LLC, we compare all options to help you choose the metal tier that aligns with your lifestyle and financial goals.
Plan Types:
Health Insurance plans differ in how you access care and choose your providers:
- HMO (Health Maintenance Organization): Requires selecting a primary care physician and referrals for specialists. Offers lower costs and coordinated care.
- PPO (Preferred Provider Organization): Allows flexibility to see any doctor or specialist, even outside the network. Perfect for individuals seeking greater freedom of choice.
- EPO (Exclusive Provider Organization): Combines lower costs with broad network coverage but generally doesn’t cover out-of-network services.
We’ll help you understand each model and find the one that fits your medical preferences and budget.
Premium Tax Credits & CSR:
Most individuals and families can qualify for federal subsidies to reduce monthly insurance premiums.
- Premium Tax Credits (APTC): Lower your monthly payments for Marketplace plans.
- Cost-Sharing Reductions (CSR): Lower your deductibles, copayments, and coinsurance if you choose a Silver plan.
Our licensed agents will calculate your eligibility for both programs and ensure you receive the maximum savings available.
Preventive & Specialized Care
All our health insurance options prioritize prevention, wellness, and accessibility.
This includes:
- Annual physical exams
- Vaccinations
- Laboratory screenings
- Pediatric dental and vision
- Women’s and maternity care
- Mental health support and addiction recovery services
Your plan can also include telemedicine access, virtual consultations, and 24/7 health support — ensuring you receive care anytime, anywhere.
Eligibility Requirements:
To apply for ACA Marketplace coverage, applicants must:
- Proof of living in state where apply
- Be a U.S. citizen, lawfully present resident and work permit
- Report Income Tax
- Meet income limits based on the Federal Poverty Level (FPL)
Our team verifies your eligibility and helps you complete all necessary documentation safely and correctly.
Other Options
Additional Private & Off-Market Plans
Not everyone qualifies for ACA coverage, but that doesn’t mean you’re left without help.
DRV Financial Services LLC also provides access to private and off-market insurance plans that offer flexibility and customized benefits.
These options can include:
Short-Term Medical
Short-Term Medical insurance (also called Temporary Medical Insurance) is short-term coverage designed to protect you if you have a temporary situation or simply need a plan adapted to your moment.
Short-Term Medical is a good option for people who, for different reasons, are not eligible for ACA (Obamacare) Marketplace insurance plans.
This includes:
- People without immigration status or with temporary visas.
- People with income levels that don’t qualify for ACA subsidies.
- People between jobs or temporarily unemployed.
Important
- Does not cover pre-existing conditions.
- You can cancel it anytime if your situation changes or you get another plan.
- Works as temporary protection (usually 1 to 12 months).
- Ideal for people who need immediate coverage for emergencies or short-term situations.
Discount Medical Plan
What are Discount Medical Plans?
Discount Medical Plans (also called Discount Health Plans) are not insurance but rather discount programs that offer savings for a wide variety of medical services.
These plans are designed for people who do not qualify for ACA (Obamacare) or who are looking for a more affordable option.
Instead of paying a high insurance premium, you pay a small monthly membership fee and receive discounts for medical services.
This is common as a temporary solution, not as a replacement for a complete medical insurance plan.
How They Work
- You pay a monthly membership fee (usually very affordable).
- In exchange, you get access to a medical network that offers discounted prices on doctor visits, lab tests, imaging, dental and vision care, and medications (for example, 30%, 50%, or 70% discounts).
- Instead of getting billed through insurance, you pay directly to the provider at the discounted rate.
Who Are They For?
- People without immigration status who don’t qualify for ACA.
- Those looking to reduce medical costs while maintaining access to doctors and clinics.
- People who want flexibility without long contracts.
- Families or individuals who need quick, low-cost health solutions.
In Summary
If you don’t qualify for Obamacare but still need protection, these programs allow you to get discounts on medical services, protect your family, and ensure peace of mind.
These plans are flexible and can be activated quickly.
How to Get Started:
To discover if you qualify for federal subsidies and ACA coverage, complete our simple Pre-Qualification Form.
You’ll be asked to provide:
- Full Name
- ZIP Code
- Date of Birth
- Number of Household Members
- Estimated Annual Income
- Immigration Status
- Email and Phone Number
Once submitted, you’ll receive a confirmation:
“ Thank you for completing your evaluation! You will soon receive an email with your eligibility estimate and the health plans that best fit your profile.”
Why Choose DRV Financial Services LLC
We are a team of licensed, bilingual professionals dedicated to helping families and individuals secure quality health coverage with honesty and transparency.
Our commitment goes beyond enrollment — we build long-term relationships based on trust, service, and results.
At DRV Financial Services LLC, we don’t just sell insurance — we protect what truly matters: your health, your family, and your peace of mind.