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 IRS And Health Insurance

There are over 300 million people in the United States, and roughly 135 million of them will file tax returns this year. One third of the tax filers, around 45 million, will owe no taxes. Of those that pay no taxes, over half of them will receive monies from the government.

All these figures boil down to this… about 110 million people will get a refund come tax time.

Here’s the big problem. The new health insurance mandate states that all 300 million plus Americans must have health insurance. Starting in 2014, if you don’t have medical insurance the IRS will withhold your refund, or deduct the penalty amount before sending the refund to you.

For two thirds of the population this means nothing, and for those that are affected it will still be less expensive to cancel their health insurance until they need it. There is no risk of being denied coverage come 2014 so why spend the money. A fine of a few hundred dollars is a much better deal than paying several thousand for an Arizona health insurance policy.

No matter how we slice it, the American public must demand that the penalty for not carrying health insurance be equal to the cost of purchasing a policy. Of course the best solution is to repeal the whole bill and start over, but this will take a couple of election cycles.

Michael Higgins

An Arizona health insurance broker.


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Posted by:
Michael Higgins

Posted on:
April 20th, 2010

Posted in: