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!!



Today’s Most Ridiculous Article

In today’s paper there is an article about all the benefits of the new health insurance law and how Arizonans will be positively affected.

The most ridiculous claim in the article is that individual and family health insurance premiums will be lowered. The largest health insurer in Arizona, BCBSAZ, has already stated that these rates will likely go up by 30%.

Another point made in the article is that 1.3 million people in Arizona will now have medical insurance. Supposedly 750,000 of them will receive tax credits to buy the health insurance. I question these totals, but more importantly I know that it doesn’t matter. If the tax credit pays for about 30% of the premium, and premiums go up about 30%, we have what you would call, “a wash.” If the uninsured can’t afford Arizona health insurance now or don’t want it, and the price will be the same as it is today, why would anyone believe that all of these people are going to go out and buy a medical insurance policy. They won’t. Why should they. Now that the health insurance companies can’t deny coverage to those that apply, the uninsured will simply wait until they become sick or injured before purchasing an Arizona health insurance policy.

The article also says that nearly 64,000 small businesses may get a tax credit to help pay for group health insurance. This tax benefit, when you read the fine print, is a classic bait and switch plan. It will slow growth and convince many companies to drop coverage.

The benefits outlined in this article are so far from reality it is almost comical. Unfortunately, none of us will be laughing in 2014 when most of the health insurance laws kick in.

Michael Higgins


An Arizona health insurance agent.

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Posted by:
Michael Higgins

Posted on:
May 24th, 2010

Posted in: