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!!



ObamaCare Health Insurance Bait and Switch

This week the administration rolled out the 35% tax rebate program for small businesses that offer group health insurance to their employees. Officials talked about the thousands of companies with less than 25 employees with wages averaging less than $50,000 a year per employee, would qualify for the health insurance rebate. Many employers have been very excited by this…until they read the fine print. One employer with 24 employees with average annual wages of $35,000 was quite excited, assuming his company more than qualified, and that he would get some help paying the $80,000 a year medical insurance premium. Turns out he won’t get a dime. In the fine print it is noted that the rebate incentive drops off sharply once a company has more than ten employees. To maximize the rebate benefit an employer must keep his total employment count to ten or less, and pay them at the poverty line.

What do you think an employer is going to do when faced with the prospect of losing their health insurance tax rebate if they go over ten employees, or pay them more than poverty level wages? The answer is the exact opposite of what the administration said the rebate would do, which is create jobs, well paying jobs.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 22nd, 2010

Posted in: