Arizona Individual Health Insurance
HAVE QUESTIONS ABOUT THE NEW ARIZONA INDIVIDUAL HEALTH INSURANCE LAW? Arizona Individual Health Insurance (Or call Mike Higgins at 602.405.8769)
Want a free quote on an Arizona individual health insurance policy, or an Arizona family health insurance plan? Simply click on the, “Free Online Quote,” link in the upper right of this page to get started.
Most, if not all, Arizona individual health insurance companies have stopped selling child-only policies. They have also changed their underwriting guidelines and frequency of rate increases, from annually to quarterly. This is in response to the new health insurance law known as Obamacare. With new federal mandates and HHS rulings being rolled out every few months, insurers need to charge accordingly each time a rule change is implemented. They must also spend 85% of all premiums collected for Arizona Individual health insurance policies on claims payments.
Arizona Individual Health Insurance
It used to be a given that most working Americans and their families would be covered by the Arizona individual health insurance plan offered by their employer, or group policy depending upon the size of the company. Times have changed. Today, large and small companies are searching for ways to hold down the rising costs of Arizona individual health insurance, and group plans. Some companies simply don’t offer health benefits, while other companies often require employees to contribute a larger share toward their coverage. Other employers are dropping their Arizona group health insurance policy, and instead are offering to pay a percentage of an Arizona individual health insurance plan. At most companies contract workers and part-time employees don’t qualify for health benefits. And then there is the large group of folks such as students, the elderly, the unemployed, other members of the family, or the new college graduate, who may not have any Arizona individual health insurance or need supplementary, Arizona short term health insurance. Fortunately for the dependents over the age of 18 but under the age of 30, they may now stay of their parents Arizona individual health insurance policy offered by Blue Cross of Arizona, and they do not have to be a full-time student.
Arizona Individual Health Insurance
At Michael Higgins Insurance, we will assist Arizona businesses, individuals, and families in making an informed decision regarding their Arizona individual health insurance needs. Even though there are other Arizona individual health insurance plans available, Michael Higgins Insurance has deliberately chosen to only represent the Arizona non-profit health insurance provider Blue Cross Blue Shield of Arizona. With high quality, affordable medical insurance plans for businesses and individuals, we believe that Blue Cross Blue Shield of AZ offers the most choices, the best rates, and the service that everyone should expect from their Arizizona individual health insurance company.
The consequences of going without Arizona individual health insurance or under insured can be catastrophic. When compared to the insured, the uninsured receive less preventive care, less therapeutic care, and are often diagnosed at more advanced stages of a disease resulting in higher mortality rates. And if a major illness or non-work related injury should occur while without Arizona individual health insurance, resulting in your having to pay out of pocket medical expenses, the results could be financially devastating.
Arizona Individual Health Insurance
Michael Higgins Insurance will help you select the best possible plan, explain the coverage options, and provide you with on-going service for your student, family, group or Arizona individual health insurance policy. There are no extra or hidden broker fees since the premiums for all Blue Cross Blue Shield of Arizona health insurance plans are determined by Blue Cross Blue Shield of Arizona, and regulated by the Arizona Department of Insurance. The premiums quoted on this website for Arizona individual health insurance policies are identical to those quoted on the BCBSAZ website.