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!!



Tax Credit For Small Biz A Sham

The administration is touting a new tax credit for small businesses with 25 or fewer employees to buy group health insurance, . But because the health insurance tax rebate is lessened the more employees a company has, the optimal number is 13.

Say you have 13 employees and want to hire a few more employees because business is picking up, and you want to give them health insurance. Doing so would cost the company $4200 less in tax rebates for health insurance. A company with 20 employees wanting to add one employee to the group health insurance would result in $3733 less in the tax rebate for medical insurance.

Another problem with the program, and it’s a big one, is that it only lasts a couple of years. Very few small employers, already working with slim margins, are going to offer group health insurance for a couple of years. The thought of having group medical insurance has to make sense without the tax rebate. If it made sense to the employer to offer group health insurance without the tax rebate they would have already implemented a group health insurance policy. For those companies that do buy a group health insurance policy for the tax rebate, they will dump their employees on the government plan in 2016 just like every other small employer with less than 50 employees will do.

Lastly, the maximum 35% tax rebate doesn’t come close to the cost of an average group health insurance policy. Group medical insurance policies are at least twice the cost of individual health insurance policies. This is due to all the government mandates already in place.

Get the government involved to a large extent in business and bad things start to happen, it’s as simple as that. Let competition and the free market take care of itself.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 29th, 2010

Posted in: