Desert Valley Risk Advisors | Health Insurance for the Self-Employed & Trucking Coverage
A-Rated Carriers

Coverage That Works
As Hard As You Do.

Insurance solutions built for independent business owners. Straightforward. Affordable. No hassle.

No employer required
30–40% cheaper than ACA
$0 outpatient deductible
Health Insurance

Self-employed?
You still deserve real coverage.

Plans built for 1099 workers, freelancers, and small business owners who need real protection without the ACA price tag. Customizable coverage that starts working from day one.

No employer required 30–40% cheaper than ACA
  • $0 outpatient deductible — coverage from the first visit
  • $0 virtual urgent care visits, 24/7/365
  • Up to 20 doctor visits per year included
  • Critical Illness & Enhanced Accident riders available
  • First Health PPO network access
  • Month to month — cancel anytime, no penalty
  • Claims paid within 7 business days
Prefer to talk? (385) 503-3115

Free • No Obligation

Get Your Health Quote

$0 Outpatient Deductible

First-dollar outpatient benefits. No deductible to meet before your plan starts paying for doctor visits.

Large PPO Network

Access to one of the largest PPO networks in the country — thousands of doctors, hospitals, labs, and specialists nationwide.

30–40% Cheaper Than ACA

Real coverage at a fraction of the cost. Most clients save hundreds per month compared to traditional marketplace plans.

Fully Customizable

Choose your benefit level, deductible, and add-on riders. Build a plan that fits your life and budget.

How It Works

From quote to covered in 3 simple steps.

01

Tell Us About Yourself

Fill out the quick form above. We just need basics — name, date of birth, and zip code — to pull your personalized quote.

02

Review Your Options

Our team builds a custom plan comparison and walks you through every benefit, rider, and cost — no pressure, no jargon.

03

Get Covered

Once you pick a plan, we handle the enrollment. Simple, fast, and stress-free.

Fast Quotes • Same-Day COIs

Get Your Trucking Quote

Commercial Trucking

New authority?
We'll get you on the road.

Fast quotes, same-day COIs, and a team that understands FMCSA requirements inside and out. We work with owner-operators every day.

  • Primary Auto Liability from $1M
  • Motor Truck Cargo coverage
  • Physical Damage for your equipment
  • Non-Trucking Liability (Bobtail)
  • MCS-90 & Form E filings handled
  • COIs issued same day

Owner-operator? Ask us about bundling trucking coverage with an affordable health plan — most of our trucking clients don't realize how much they can save.

Call (385) 503-3115
Why Desert Valley

Built for people who
work for themselves.

We're not a call center. Our team specializes in independent business owners and delivers the kind of service the big agencies forgot about.

01

Fast Turnaround

Need a COI by tomorrow? Consider it done. Need a health quote today? We move fast because we know downtime costs you money.

02

Specialized Expertise

Trucking and health insurance are all we do. That focus means better coverage recommendations and fewer surprises at claim time.

03

Real People, Real Answers

You call, we answer. Straight talk, real quotes, real coverage. No automated phone trees or week-long email chains.

Common Questions

What you need to know.

Do I need an employer to get health insurance through you?
No. Our health plans are designed specifically for self-employed individuals, 1099 contractors, freelancers, and small business owners. No employer or group is required.
How are these plans 30-40% cheaper than ACA?
Through a slightly stricter underwriting process, our carrier only accepts healthy individuals. This allows them to offer significantly lower premiums while still providing strong coverage benefits.
What does "$0 outpatient deductible" actually mean?
It means your plan pays set, first-dollar benefits for outpatient care — doctor visits, labs, therapy — from the very first visit. There's no deductible to meet before your benefits kick in.
Can I cancel anytime?
Yes. These plans are month to month. You can cancel at any time without penalty. You can also adjust your coverage level down without going through underwriting again.
I'm an owner-operator. Can you handle both my trucking and health insurance?
Absolutely. That's our specialty. We can bundle your commercial auto, cargo, and health coverage through one agency — making your life simpler and often saving you money.
How fast can I get a COI for my trucking authority?
Same day in most cases. Once your coverage is bound, we can issue certificates of insurance immediately so you can stay on the road.

Ready to see your options?

No pressure, no obligations. Just a straight conversation about what coverage makes sense for your situation.