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 Legality of Mandatory Health Insurance

The federal government, in response to a lawsuit in Michigan in which the state challenges the legality of a federal mandate to buy health insurance, has responded with several reasons why it believes the government is within their rights to force all Americans to buy medical insurance in the private market.

The first reason given is that, by not purchasing health insurance, those uninsured affect interstate commerce by saddling the costs involved on health insurance companies and to the public.

If the commerce clause argument doesn’t work the federal government also argues that they have the right to tax, and that the penalty for not having health insurance is a fee. They argue that it is their right to apply tax credits and penalties, which is all the health insurance mandate is.

Lastly, if the first two arguments don’t stick the federal government argues that Michigan doesn’t have the right to sue because no actual harm or injury has been caused because the health insurance mandate does not go into affect for another four years.

So let the games begin. Now that the government has shown it’s hand in how they plan on defending the new mandated health insurance law, the AG’s of many states can respond accordingly.

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
May 14th, 2010

Posted in: