• 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.

Houston, TX
— Rick,


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



Arizona Health Insurance
Blue Cross® Blue Shield® of Arizona


ALERT: October, 2017: Short Term/Gap health plans are in the news. 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

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. 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.

If you have a short term plan, keep re-enrolling every 90 days until a one year policy is available sometime in 2018. If you have an Obamacare plan through the exchange that received reduced deductible benefits, please call to discuss all options available, such as a group plan, or short term coverage.

Please call Mike Higgins for a Blue Cross of Arizona small group quote over the phone, 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 strike, 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.

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.

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.


The death spiral of the individual health insurance market in Arizona has begun, 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 2017, AmBetter HMO. Effective 01/01/2017, Blue Cross and Blue Shield of Arizona, Aetna, United Healthcare, HealthNet, Cigna, and Humana no longer offer Affordable Care Act (ACA) individual and family policies in Maricopa County through www.healthcare.gov, though BCBSAZ will continue offering individual plans in some rural counties throughout the state. BCBSAZ ACA individual/family policyholders in Maricopa County lost coverage effective 01/01/2017, affecting 60,000 members. The most populous cities in Arizona such as Phoenix, Tempe, Mesa, Scottsdale, and Gilbert  are located in Maricopa County.

No PPO networks are available in the individual market. With the combination of one insurer, few in-network doctors, no coverage for out of network doctors, and tens of thousands of individuals and families seeking care, delays in receiving medical attention should be expected. Like all HMO’s, there will be no coverage available out of network unless it is an emergency, and specialist care must be approved by the insurer beforehand.

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. As non-creditable coverage policies, exposure to an IRS tax penalty at the end of the year is possible. 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.

Mike Higgins is federally certified to assist those that qualify for individual/family plans on the 2017 Marketplace Exchange. Please feel free to call Mike any day or time at 602-405-8769 if you have any questions. Subsidies are not available for off-Exchange policies. Blue Cross of Arizona no longer offers individual plans on or off the Exchange in Maricopa County.

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 less than 25 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.


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. Please keep in mind that short-term health insurance policies DO NOT qualify as essential coverage under the Patient Protection and Affordable Care Act, (Obamacare.) Being uninsured for more than 90 continuous days triggers an IRS penalty of $695.00, or 2.5% of MAGI, whichever is greater. Under certain conditions the IRS may waive the penalty.

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.