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, The New 1099 Nightmare For Small Businesses

It has just been discovered that the health care reform bill contains another mandate that will bury businesses in a mountain of new paperwork. It will also cause the IRS to hire hundreds, possibly thousands, of people to manage the influx of new 1099’s. There is a tax code section in the health care bill, and with a few words changed regarding 1099 reporting, millions of businesses will be forced to issue billions of additional 1099’s each year.

It will now be required that all businesses that spend $600 or more with anyone or any business must file a separate 1099 each year for that vendor. This will mean collecting each vendor’s tax information, have separate accounting, and send a copy of the 1099 to each vendor and the IRS at the end of the year. When you go to pay your rent on the office space you lease it will now be required to file a 1099. What about paying your Arizona group health insurance premium, is a 1099 now required? It sure looks that way. Imagine being on the receiving end of all of these new 1099’s flooding offices large and small. Matching up hundreds or thousands of 1099’s at the end of the year with each sale or transaction of $600 or more will surely lead to mistakes and mismatches, resulting in costly fights with the IRS.

Again we are left scratching our heads, wondering what 1099’s have to do with health insurance. It is one more example of the Pelosi camp sneaking in a little code into the health care bill in hopes of raising more money. The cost of implementing this new rule will be extremely expensive for businesses, not to mention for the government as well.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 1st, 2010

Posted in: