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 Uninsured

The federal government has found out exactly how much demand there is for health insurance high-risk pools. About 400,000 people should have been enrolled by now through the one year old program for the uninsurable, and less than 9000 have. As usual, the main reason for this is money. The health insurance is expensive, even with a $2000 deductible. The deductible must be met before any medical expenses are covered. As expensive as the insurance is, the program was to be a major money loser if those predicted to enroll actually did.

Personally I believe that there should be a national high-risk pool for those that cannot obtain coverage in the standard market. I also believe that the federal government should shoulder much of the cost to ensure these individuals. No matter how you slice it the cost will be nothing compared to the total cost of Obamacare.

State programs choosing not to participate in the new federal high-risk health insurance program are not doing much better. Combined, the programs have a 2% success rate.

With the difficulty of de-funding Obamacare and the fact that the healthcare debate is slowly being pushed to the back burner, the only remaining hope is that the Supreme Court overturns the law.

Leave a Comment


Posted by:
Michael Higgins

Posted on:
March 8th, 2011

Posted in: