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!!



They Should Have Read The Bill

The dirty little secrets are starting to come out now, the safety of being buried in two thousand and seventy-four pages now gone.

In 2017 the folks with substantial medical expenses, primarily the elderly, will have to wait until they spend over 10% of their income on medical care before it becomes tax deductible. If you are younger this higher tax rate kicks in four years earlier, in 2013. Today a person must spend over 7.5% of their income on medical expenses before being tax deductible.

So who will this affect? 15 million very ill people who have enough to worry about as it is. And how much will the government collect in new taxes from these sickly folk? $15.2 BILLION dollars! Nice. Never mind simply kicking a person while they’re down, this new health care bill empties their pockets completely. This is not a new tax on just the rich. 99% of those affected make less than $200,000 a year, substantially less in most cases.

Hopefully those with Arizona health insurance are taking notes. This bill is not in your best interest. It is not in the best interest of this country. The one thing this country needed in a health insurance reform bill were ways to control spending and costs, and this bill has nothing like that. Health insurance premiums in Arizona and across the country will continue to rise, and possibly at a higher rate than before… someone has to pay for all the new government agencies being created.

The only good news is that it looks like our government officials have written themselves out of coverage. They stuck a ban in the bill preventing members of Congress and their staff from enrolling in the federal health plan, instead forcing them to buy in the exchanges like everyone else. This became the law the second President Obama signed the bill. They forgot to clarify that this new rule should not start until 2014 when the health insurance exchanges in Arizona and elsewhere will be in existence.

Well Mrs. Pelosi, you wanted the bill signed so that you could see what’s in it. Not such a good REID is it?

Michael Higgins


An Arizona health insurance broker.

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Posted by:
Michael Higgins

Posted on:
April 20th, 2010

Posted in: