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!!



No Need For Health Insurance Exchange

$7 billion dollars is a heck of a lot of money for something that is already in existence, and thriving, namely health insurance exchanges. There are many websites that allow you to compare health insurance plans,, dental, , vision, and maternity,,. This is what the fifty federal exchanges will do, for $7 billion dollars! Why are we allowing the government in on a thriving and very competitive market?

There is one exception though. The government’s health insurance exchanges will require medical insurance companies selling policies on the exchanges to be non-profit, and they must also offer minimum health insurance benefits set by the government. One of these minimum benefits is that no health insurance company can offer deductibles higher than $2000. Compare the premium between a $2000 deductible and a $5000 deductible plan and you’ll get an idea of which direction medical insurance premiums are heading…and it’s not down.

Throw in all the other federal requirements on health insurance companies such as guaranteed issue, maternity coverage, and control over premiums and it is no wonder the largest non-profit in the business sees a 30% premium increase at a minimum down the road. And for what? $7 billion tax dollars down the drain.

Michael Higgins


An Arizona health insurance agency.

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Posted by:
Michael Higgins

Posted on:
June 1st, 2010

Posted in: