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!!



Premiums On The Rise

Arizona health insurance premiums, Here, are on the rise, all thanks to Obamacare. The CBO now realizes the error of their ways and has issued a report claiming that premiums will increase by 27%-30% because of the new law.

I have seen this firsthand. Owning an Arizona health insurance agency, the quotes that are coming in are incredibly high. Especially for the small business owner, their premiums have already gone through the roof since January 1st of 2011. A family of four that operate a local business was recently quoted nearly $4000 a month to insure them on a group plan with a $7500 deductible. Yes, there are pre-existing conditions present, but nothing out of the norm.

What I am also seeing are a few of the large insurers in town low-balling groups to get their business. In twelve months the group will get a shocking reality check. After 30 years in the business, I have seen this happen before. What is different this time though is that the commissions paid on these small groups has been cut dramatically, on average 75%. Because Obamacare dictates how much a private company can spend on administrative costs, the result will not be in the public’s best interest. This will no doubt lead to certain, “professionals,” pointing their clients into a product that may not be in their best interest, a product that pays more commission.

If ever there were a time for honest brokers it is now. The general public has nearly no idea what the ramifications are with Obamacare, only that it will cost them more in premium.

Employers that I know have said that, if the law stands, they will drop their group health insurance policy in 2014 and pay the fine instead, saving them thousands of dollars a year. They will be forced to drop coverage because their competitor will have done so, giving them an unfair advantage if they do not do the same. For the meantime though these employers have said that they will not hire new employees until this law is settled one way or another.

With a little luck the Supreme Court will take the case soon, saving everyone a lot of money, time, and worry.

Michael Higgins

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Posted by:
Michael Higgins

Posted on:
February 3rd, 2011

Posted in: