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!!



Patients Must Be In Charge

How we incentivize doctors and hospitals in our current health care system has it’s flaws. Well, actually, it is the fundamental flaw with the system, and nothing ObamaCare insists upon will change that. In fact it will make things worse. The only answer, the only fix, is repeal. We must start over, making small, market based adjustments from the ground up. The adjustments must address the rising cost of care, the uninsured, and the ability to keep coverage wherever the policyholder may be or employment status.

ObamaCare will ration care to control costs, there’s no other alternative. The Medicare,  cuts will never happen.

What needs to happen is the strengthening the link between the policyholder and what the consume. Like buying a car or house, the consumer must shop for the best deal of quality care. most health insurance policies in force today pay for most of the care received, leaving no incentive for the policyholder to try and avoid such claims to begin with, that is, getting and staying healthy.

The day the general public starts treating health insurance as insurance, protection against financial catastrophe, is the day things start to get much better. Saying goodbye to the days of covering every little expense will be a blessing. Giving a tax incentive to carry a high deductible such as what is offered through HSA’s,, the cost of health care will become manageable.

Michael Higgins


An Arizona health insurance agent.

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Posted by:
Michael Higgins

Posted on:
July 14th, 2010

Posted in: