• Blue Cross of Arizona

    "Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates." - Dave more

  • Arizona Family Health Insurance

    "Mr. Higgins explained in ways that I can understand. His compassion was unequal!" - Roxanne more

  • Affordable Health Insurance in Arizona

    "I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!" - Liza more



What our customers are saying…








Thank you so much for helping me get my insurance so quickly. I appreciate all of your help. I will definitely recommend you to my fellow classmates.
— Dave
Mr. Higgins explained in ways that I can understand. His compassion was unequal!
— Roxanne,
Thanks, Michael, I truly appreciate your prompt assistance…
— Laura
Thank you. This is helpful and I appreciate your time and assistance.
— Rick,
I was glad that you answered the phone. I know I made a good choice choosing you as my broker and applying with Blue Cross Blue Shield of Arizona. The more I think about it, the more I want to be with a company that has widespread recognition and is everywhere. So thanks again for everything!
— Liza,
“Hi Mike,
…my mother lives in Texas, but I thought I would ask you (a question about health insurance,) since the
comments about you on the website were heartfelt.

Thank you.

-L.M.
Houston, TX
— Rick,

“Mike,

You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!

Sincerely,

Charlotte”

Arizona Health Insurance
Blue Cross® Blue Shield® of Arizona

 

November, 2017: Short Term/Gap Health Plans. Presently, the maximum coverage period on short term plans is 90 days at a time. Once public hearings are held, coverage will be available for up to one year at a time. The federal rule change will likely take effect after the 2018 open enrollment period. Please call 602.405.8769 if interested in a short term policy, or view pricing and coverage and Apply Here

IN THE NEWS: TAX OVERHAUL/INDIVIDUAL MANDATE REPEAL

153,700 Arizonan’s paid the IRS individual mandate tax in 2015, totaling $69,770,000. The average fine was $454.00.

82% of Arizona households that pay the IRS tax penalty make less than $50,000 per year. (The individual mandate requires that most individuals have ACA creditable coverage, otherwise pay a tax penalty.) The House and Senate will soon vote to repeal the individual mandate as part of the tax overhaul package. Repealing the individual mandate simply means that there will no longer be an IRS tax penalty assessed to those that choose not to purchase an Obamacare policy. The ACA will still be the law of the land. Subsidies will still be available to those that qualify.

The federal courts have ruled that subsidies to lower deductibles and out of pocket expenses for certain individuals with individual/family Obamacare plans purchased through the exchange (www.healthcare.gov) are not allowed under current law. The federal government will no longer reimburse insurance companies, around $7 billion a year, for these deductible payments. Those receiving the lower deductible benefit will continue to receive this benefit. The reduced deductible subsidies are different from the subsidies to help pay the monthly premium. The reduced premium subsidies are not affected by the court ruling, and will remain in place.

Also in the news: The president, through Executive Order, has requested that several federal agencies come up with a plan to allow small business owners to purchase health insurance through an association, and across state lines. This will take time, several months at a minimum, before such policies hit the market.

Please call Mike Higgins for a Blue Cross of Arizona small group quote, 602.405.8769.

Reducing the distortion of the health insurance market by the federal/state government is of utmost importance. Health insurance is a financial tool, nothing more, nothing less. Health insurance does not provide health care, it manages risk. A common misconception about health insurance is that healthy individuals pay for those less healthy, sharing in their cost of care. In reality, health insurance requires that you pay while healthy in order to reduce financial risk when sick. If you knew exactly when you were going to become ill, and how much treatment would cost, you could simply set aside money on your own in preparation. Of course, no one knows the future, what illness may arise, what costs will be involved, hence health insurance. The ACA failed to manage risk because it was never intended to do so. The ACA was designed to dramatically expand Medicaid, and in this respect was quite successful.

84% of the 9.6 million newly insured through the ACA are enrolled in Medicaid, not private individual plans such as those offered in the past by BCBSAZ, AETNA, and CIGNA (all of which have left the market in 2017 due to staggering losses.) Though the ACA went into effect on March 23rd, 2010, 30 million people remain uninsured today. Dramatic changes in law will be required to address the national implosion of the ACA, yet do so within the confines of a nation with $20 trillion dollars in debt.

Benjamin Franklin started the first commercial insurance company in the USA in 1752. Back then, home fires were common. Franklin, understanding risk, charged those in wooden homes more than those in brick. The ACA is void of such risk management, instead requiring that all applicants of the same age be charged the same amount no matter their health status. The implosion of the ACA shows that this approach does not work, yet a working alternative will be hard to come by.

The death spiral of the individual health insurance market in Arizona is here, and is in full-force in Maricopa County. Across the country the situation is much the same, or worse. In Maricopa County, AZ., there is one health insurance company offering individual ACA coverage on www.healthcare.gov in 2018, AmBetter HMO. Off-Exchange Cigna is offering one high deductible HMO.

Effective 01/01/2017, Blue Cross and Blue Shield of Arizona, Aetna, United Healthcare, and Humana no longer offer Affordable Care Act (ACA) individual and family policies in Maricopa County, though BCBSAZ will continue offering individual plans in some rural counties throughout the state.

No PPO networks are available in the Arizona individual market.

If you are one of the tens of thousands of individuals and families that have lost coverage in 2017 and 2018, it is recommended that you consider purchasing a short term health insurance policy. BCBSAZ offers such policies through a separate company, IHC, and can be purchased on this website, link at top of page. Short term policies are much less expensive than ACA policies, offer very good protection, but do not count as ACA creditable coverage. Short term plans do not cover pre-existing conditions occurring within the last 5 years. Short term policies are medically underwritten. The applicant must answer several general medical questions to see if they qualify for coverage, and most do qualify.

Not Affected/BCBSAZ: Those currently insured with a BCBSAZ Grandfathered or Grandmothered individual or family plan will NOT lose coverage in 2017 or 2018, and it is highly recommended that such policies be kept in force. The federal government will now allow those with Grandmothered plans to keep such plans through 2018. Grandfathered individual policies are those purchased on or before the implementation of the Affordable Care Act (ACA) on March, 23, 2010. Grandmothered individual plans are those purchased after March, 23rd, 2010, but before January 1st, 2014. ACA individual plans are those purchased on or after January, 1st, 2014, and these are the policies discontinued in Maricopa County. Medicare supplement and group health plans will NOT be affected.

BCBSAZ will continue to offer group policies to small and large groups. Small group policies require a minimum of two enrolled, cannot be husband and wife if the only two enrolling, and employees must be W-2. Premium assistance for up to three years from the Arizona Department of Revenue may be available for groups with 25 or less employees, though there is typically a waiting list. To qualify for AZDOR funds, the company must be based in Arizona, in existence at least one year, and have not offered group coverage in at least six months. Please call Mike Higgins at 602.405.8769 for further details.

THANK YOU: Michael Higgins has been ranked, once again, as a Top 5 broker in 2017, according to Ranking Arizona magazine. Ranking Arizona, now in its 20th year, is the largest business opinion poll in Arizona. 1.5 million participants vote each year, with recommendations based on quality of service, and with whom they would recommend doing business. To vote, please click on the, “Top 5 Ranking Arizona,” link on the upper-right of this webpage.

Please call 602.405.8769 for an employer group quote. Small group quotes are available over the phone. Premium rates are much lower than individual rates, and offer much larger PPO provider networks throughout the state and country.

CIGNA/BCBSAZ/AETNA/UHC

Michael Higgins Insurance, LLC., an independent Arizona health insurance agency, specializes in individual and group health insurance. With decades of experience in the Arizona health insurance market, obtaining the right policy for you is most important to Mike. He will take the time necessary to solve your Arizona health insurance needs, suggesting different approaches or programs that may be beneficial.

Term-Life policies are available from many A+ rated life insurance carriers. Please call Mike for a quote, 602.405.8769.

Short-term policies are an alternative to child-only policies, and for those seeking coverage for up to 90 days. The short term link is at the top of the page, and you may apply online if you would like.

Blue Cross Blue Shield of Arizona

There is a lot of confusion in the individual and family market, which Arizona health insurance plans are available in 2018, and in which counties. Instead of searching high and low for answers on the Internet, you may find it easiest to simply call Mike Higgins, 602.405.8769, any time, any day.

 

Email: info@higginscompanies.com or HERE.