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!!



Keep Your Health Insurance?

The health insurance overhaul will force nearly 70% of employers to change or drop their health insurance, the exact opposite of what was supposed to happen according to President Obama. Forcing employers to change their group health insurance plans means higher premiums because the new plans must offer more benefits the government now requires like lower deductibles.

The employer will be forced to change to these more expensive medical insurance policies when they make minor changes to their existing group health insurance at renewal time. These grandfathered plans will no longer be grandfathered when making these changes and must now abide by the new health insurance laws and mandates.

Abiding by the new mandates in the health insurance law means higher premiums.  Higher premiums mean that employers will compare the new higher premiums to the new federal penalties for not offering group health insurance. Once it becomes apparent that dropping the group health insurance and paying the fines instead is in the best financial interest of the stockholder’s that is exactly what will happen. When the competition sees that their competition has dropped their group medical insurance plan they will do the same. And so on and so forth.

This has been the governments plan from the beginning. Have everyone dependent on the government for health insurance and many other things. One way or another the Democrats want a single payer health insurance system, health care reform being the first step.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
June 13th, 2010

Posted in: