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!!



If Obamacare Implodes

It is quite possible that in June of 2015 the PPACA, (Obamacare,) will be dealt a deadly blow by the Supreme Court. The case, King v. Burwell, challenges the legality of the federal subsidies being paid out to 4 million people in 37 states. Challengers of the law state that the IRS has no authority to pay out subsidies in states that have not set up their own exchanges, of which 37 have not. After the recent mid-term elections, many of these states are governed by Republicans, and the chance of these states creating their own exchange are next to nil.

So what should the Republicans be doing today to prepare for the possible gutting of the PPACA? (It can be argued that the law would not be gutted, but simply require it to be implemented as written.)

1.) Introduce legislation allowing states to opt out of Obamacare and into a simpler system.

2.) In the simpler system, those not offered health insurance coverage through their employers could receive a federally funded credit and purchase a state approved policy, removing ObamaCare’s coverage requirements such as maternity coverage and pediatric dental.

3.) This new federal law would require insurers to offer coverage to anyone that has been continuously covered. The insurer could not charge more for pre-existing conditions, or exclude coverage on these conditions. All other rules and regulations would be handled at the state level.

4.) States would be allowed to use their federal Medicaid monies to help those enrolled pay for private plans.

5.) Those currently receiving subsidies would continue to do so through 2015, giving the states time to set up this new, simpler approach to health insurance for all.


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Posted by:
Michael Higgins

Posted on:
December 20th, 2014

Posted in: