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!!



Chaos In Massachusetts

One need only look to Massachusetts to see what is coming on a national level regarding health insurance in Arizona and elsewhere in 2014. The governor has mandated that all health insurance companies in MA. submit their requests for rate increases to the local medical insurance commissioner for approval at least 30 days before they are to go into effect. Sounds fair enough. Arizona has a similar law. What is not similar is the fact that the Massachusetts commissioner denied 86% of the requests. In a state where competition is non-existent due to Romneycare, denying rate increases must have a political slant involved.

Health insurance carriers in MA. have sued, leaving individuals and small businesses wondering what they will pay for insurance coverage, and those shopping for coverage unable to receive quotes.

The two main reasons why health insurance companies in Massachusetts need to raise their premium rates? One, the young are not buying the mandated health insurance policies required by law, and two, mandated benefits that each policy must include whether the policyholder wants such coverage or not. If you are young and healthy in Massachusetts it is likely you will not buy health insurance until it is needed. The end result, insurers increasing their premium rates nearly 40% to cover the losses. This is what we have to look forward to in Arizona in 2014.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
April 26th, 2010

Posted in: