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 Troubles In 2015

King v. Burwell has dominated the news recently, a lawsuit challenging the legality of the IRS decision to issue subsidies in all exchanges, whether federal or state. A Supreme Court decision by June of 2015 is expected, and a win for King would certainly deal a severe blow to the law. But there are two other challenges to the law which are much more serious.

Coons v. Lew and Sissel v. HHS may both make it to the Supreme Court in 2015, Sissel posing the most serious challenge to the Affordable Care Act than any challenge before. Coons deals with the Independent Payment Advisory Board,  (IPAB,) which plaintiff states violates the separations of power act. The Affordable Care Act could survive, somewhat, if both King and Coons win. But if Sissel wins, that is the end of Obamacare. Sissel deals with the Origination Clause of the Constitution, and a win for Sissel will invalidate the entire PPACA. Because the PPACA, (and all the taxes included in the law,) originated in the Senate, Sissel states that it violates the Originations Clause of the constitution.

2015 will be a tough year for Obamacare, and it is imperative that those receiving subsidies understand that those subsidies may end in the next several months.

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Posted by:
Michael Higgins

Posted on:
December 29th, 2014

Posted in: