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!!



Large Companies Premiums Up 9%/ObamaCare

Large employers recently surveyed have calculated that their health insurance premiums will rise at least none percent due to ObamaCare rules and regulations, this on top of standard rate increases caused by over-utilization as an example.

Most large employers are self-funded, that is, they are technically the health insurance company, with a third party administrator handling claims, billing, etc. The administrator also pays claims over a certain amount, say $100,000. The third party administrator can be any number of insurers such as Blue Cross, Aetna, Humana, United Health, etc. It is the employer that decides what claims are paid and how much the employee pays in premium.

The employer will now be faced with cutting benefits or raising premium amounts for their employees and families. Of course this is the exact opposite of what was promised, lower premiums once ObamaCare was implemented. Employers first cut in benefits will be retiree benefits, namely prescription coverage. Prescription coverage for retirees will no longer be tax deductible for employers in 2013, so many employers will simply drop this benefit for their retirees. This will force these retirees into the government’s Part D prescription coverage plan which offers less coverage than their current coverage and costs more. Click Here  for more information on Medicare Supplement plans and Part D benefits.

Michael Higgins

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Posted by:
Michael Higgins

Posted on:
August 19th, 2010

Posted in: