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 Employers To Drop Health Insurance

In a not so shocking news report the other day, 1100 pages of internal documents from four of the largest employers in the country show that these employers are calculating the costs involved in dropping their group health insurance and paying the associated government fines instead of paying for their existing group medical policies.

Senator Henry Waxman as you may remember asked these employers for the documents. His goal was to scare the employers into keeping their mouths shut about the downsides of ObamaCare. After reading the documents he quickly canceled the hearings he scheduled. It became painfully obvious that it was in the best financial interest of the employers and their shareholders to drop the employee group health insurance and dump the millions of uninsured on the government. This will cost the government at least $250 billion more a year, and includes the money paid in fines by the companies.

No one is really surprised by this. It has been a well-known secret that the main goal of ObamaCare was to put health insurance companies out of business so that the government could swoop in and save the day with a single payer system. Of course this now means that many will not be able to keep their insurance and doctors as promised by the President.

Companies have another reason to drop their group health insurance. Having to insure children up to the age of 26 will cost another $20 million a year for Caterpillar alone. Paying the fines instead would be a fraction of this amount. These large employers will drop the group medical insurance plans and make it up to their employees with a pay raise, yet still have billions left over for the shareholder. And what is wrong with this? Nothing! A corporation has a legal, fiduciary responsibility to maximize profits for the shareholder. If there is a cheaper way of doing business they must act upon it.

One way or another it will be the taxpayer that will be stuck with a government run health insurance plan in the end, and the costs involved will make today’s premium rates seem like a deal.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 9th, 2010

Posted in: