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 To Rise In 2011

The accounting firm of Price Waterhouse interviewed 700 actuaries and employers, asking if they planned on raising their group health insurance premiums, or expected a rise in costs in 2011, The report suggests that premiums will rise by 9%.

For the first time ever deductibles will be $400 or higher. Still seems very low compared to my personal health insurance policy’s $10,000 deductible,

One of the main reasons why premiums are on the rise is because Medicare is cutting the amount of money they pay contracted doctors, so the doctors are charging more to private insurers to make up for the loss. One way or another we pay. Doctors and hospitals are also consolidating and converting to digital records, both costly endeavors. Consolidation gives hospitals and doctors greater bargaining power with insurers, which means higher premiums for policyholders.

Arizona has higher premiums than many other states, mainly due to higher costs associated with home health care. Add another nine percent and premiums are that much closer to being out of reach.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
July 5th, 2010

Posted in: