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!!



The Democrats Have Shown Their Hand

Have you ever watched the World Series of Poker on cable T.V? Many of the participants wear very dark sunglasses, hats, sweaters with hoods, and anything else to disguise any mannerism that may be viewed as a, “tell.”

The Democrats have just committed a tell, revealing their concerns with the possibility of the individual health insurance mandate surviving a Supreme Court challenge. It has become obvious that they don’t believe it will survive, the core element of ObamaCare. The, “tell,” is the fact that Democrats are now referring to the individual medical insurance mandate as a tax. Congress can legally tax the citizens of the United States obviously, hence the individual health insurance mandate must be legal it will be argued.

Too little, too late. As mentioned in other blog entries of mine, I have read all 2074 pages of the bill, and the 53 page boiled down version, and no where in there does Congress mention the individual mandate provision as a tax. The hope is that by calling it a tax now the Supreme Court justices will be fooled into upholding the law. It won’t happen I believe. Every mandate known to man, related to Arizona health insurance or not, has a penalty tied to it but the courts have not considered all of these fines as taxes over the years. In fact they have considered the fact that there are fines tied to a particular mandate as immaterial.

The individual health insurance mandate law being challenged in the courts will boil down to one issue…can the government force it’s citizens to buy a certain product from a private company?

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 2nd, 2010

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