Michael Higgins, Author at Michael Higgins Insurance

Arizona Term Life Insurance

Posted on September 6, 2022 by Michael Higgins

Arizona Term Life Insurance-No Physical Exam

2023 Arizona Group Health Insurance Premiums Rising

Posted on September 5, 2022 by Michael Higgins

In 2023 the average annual Arizona health insurance premium per employee will be $13,800! Aon, a professional services company, predicts that most employers will see an average premium increase of 6.5% over 2022 premiums. The average group health insurance premium increase in 2021 and 2022 was 3%, well below the 9.1% inflation rate at the […]

What Is COBRA Health Insurance?

Posted on September 2, 2022 by Michael Higgins

COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) is a temporary extension of group health insurance coverage that the employee pays for. On very rare occasions an employer may agree to help pay for COBRA coverage. Whether laid off or fired, COBRA coverage provides temporary health insurance for those losing group health insurance through an […]

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”

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,

"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"