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’s Tax Hikes

By 2016 every American without health insurance must pay a $695 tax each year they go without. A family must pay $2085 in additional taxes. Sounds terrible anytime more taxes are mentioned. But this tax turns out to be the best deal of all time. It is important to remember that starting in 2014 no one will be denied health insurance no matter their medical condition. So think about this for a second or two. Would most families continue to spend $13,000-$20,000 a year for health insurance when they could simply drop their coverage and buy it when needed? Sure, they face a $2085 tax for not having health insurance, but a quick calculation points out that $2085 is a lot better than $20,000!

There is a $2000-$3000 tax per employee for employers with 50 or more employees that don’t offer group health insurance. Again, every employer will jump at the chance to pay a couple of thousand per employee as opposed to $12,000 currently. And this isn’t like individual coverage where it can be argued that most people are decent, honest, hard working folks and won’t game the system. In business, if your competitor just cut thousands of dollars in expenses such as the health insurance premium, you will be forced  to do the same if you want to stay in business.

The fingers are crossed that this law is overturned, the sooner the better. With $14 trillion in debt there is no way to afford this added expense.

Michael Higgins

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Posted by:
Michael Higgins

Posted on:
January 25th, 2011

Posted in: