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!!



It’s Come To This

Part of the new ObamaCare law in effect today requires health insurance companies that offer child-only medical coverage to accept all children that apply. Whether the child has cancer or needs a couple of stitches, the health insurance company must insure them and their claims. In other words, parents can simply wait for the child to become ill or injure themselves before purchasing a health insurance policy to cover the expense. Of course it would not take long for the insurer to raise premium rates through the roof to cover these claims, and ultimately go out of business due to the law.

To avoid being put in this position insurers are dropping child-only coverage from plans that they offer. This is the case with BCBSAZ. Today it was announced that they will no longer offer child-only coverage. ObamaCare was to lower premiums and expand benefits for all Americans. Instead there will be many less available plans to choose from and prices have already started to rise…and the big stuff in the law hasn’t even kicked in yet! If the largest non-profit health insurer is pulling out of the child-only market, it won’t be much of a surprise when the for-profits leave as well.

Gone are the days when a parent could insure their children for much less on their own policy than purchasing the family coverage through an employer. Now a parent must be on the policy. Is this the change we were hoping for?

Click Here  for information on individual plans.

Michael Higgins


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Posted by:
Michael Higgins

Posted on:
August 28th, 2010

Posted in: