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!!



A Few Healthcare Reform Facts

Well, H.R. 3590 was signed into law a few hours ago, otherwise known as the healthcare reform bill. Many of the benefits of this legislation do not kick in until 2014, but there are a couple of noteworthy benefits starting very soon.

1.) Within 90 days of today a temporary high risk insurance pool must be established to offer health insurance to the uninsurable. The program is funded with $5 billion dollars and ends in 2014 when the health insurance exchanges are available.

2.) Effective this year children can enroll on their parents plan even though they have pre-existing conditions.

A website will be created by July of 2010 with much of the future benefits of the legislation explained. I will also be discussing many of these topics in future posts. Having read the 2074 page bill over the last few days, I can say there is obviously a lot to it. Having been in the health insurance sales business for the last thirty years I was not a fan of this bill. To say I am a fan now would be an overstatement, but certainly this bill isn’t nearly as bad as I thought. It does nothing to control costs and will likely end up like Medicare, financially broke. That said there are many positive aspects to the bill, and I’ll share those a little later.

Michael Higgins


Leave a Comment


Posted by:
Michael Higgins

Posted on:
April 20th, 2010

Posted in: