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 Small Group Plans and Reform

On page 109 of the senate healthcare reform bill it states that small employers, those under 100 employees, must offer health insurance with deductibles no larger than $2000 for an individual and $4000 for a family. How this will effect the many employers that offer Health Savings Accounts with high deductibles I am not sure quite yet. It does bring into question the statement made by many politicians that if we like the coverage we have we can keep it. Personally I like my HSA plan with a $5500 deductible. It is inexpensive and covers me 100% after the deductible is met. They pay for the physical. To be forced to purchase a more expensive plan with a lower deductible seems unfair, if this truly is the case. I also did not read in the bill anything about these maximum deductible amounts being tied to a government index so that they may be increased to keep up with inflation.

In 2016 a small employer may be considered a company with 50 or less employees, but until then it is 100 or less for now.

The lower the deductible, the lower incentive there is to stay or get healthy. This leads to higher utilization. It is my opinion that if an individual does not have a substantial financial interest in staying healthy, such as with a $5500 deductible in my case, many will simply run to the doctor for a pill instead of running to the gym.

There is plenty more to come!

Michael Higgins


Leave a Comment


Posted by:
Michael Higgins

Posted on:
April 20th, 2010

Posted in: