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!!



Health Insurance and Emergency Rooms

What happens when thirty-two million people suddenly obtain health insurance and there isn’t enough doctors or emergency rooms to handle the influx? You guessed it, longer waiting times and rationing of services.

Massachusetts thought that their hospital emergency rooms would clear out over time when everyone in that state were enrolled in their mandated health insurance plan. The opposite happened. There are not enough physicians in Massachusetts so many folks simply run to the emergency room to receive health care. Many doctors and health insurance companies have left the state for financial reasons, the end result being long lines.

It is a vicious cycle, and one the American people in general haven’t even experienced yet. Health insurance in hand, there will be long waits to see a physician. The shortage of doctors is not something the country can address overnight. Even if the country acted immediately by paying for medical schooling in return for four years of service as a primary care physician, the shortage would still last for several years after ObamaCare is fully enacted. We must still consider the fact that many promising students will choose not to go into medicine, realizing a single payer national health care system is in the works. With the economy set to rebound in about six years, the possibility of large scale building of hospitals and emergency rooms is not likely. Many may ask where are these 32 million people getting health care now, without a medical insurance policy. The answer may be found in your local emergency room.

The only way to avoid the train wreck that we face is to not fund the new health insurance law, and wait until 2012 for a Republican president to repeal this very costly mistake.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 18th, 2010

Posted in: