Arizona Health Insurance

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!!



Arizona Health Insurance
Blue Cross® Blue Shield® of Arizona


Obtaining health insurance outside of the open enrollment period requires that an individual or family applicant qualify under one or more of the, “Qualifying Life Events,” issued by the federal government.

Michael Higgins Insurance, LLC. is certified to assist all applicants enroll in coverage on and off the Marketplace Exchange. Please call (602-405-8769,) or email,

Group policyholders that lose coverage through their employer may apply for an individual or family policy within the qualifying event time frame, typically within 60 days. An applicant must apply for coverage within 60 days of the loss of coverage. You may also apply for health insurance coverage up to 60 days before losing coverage.

It is no longer necessary to answer medical questions when applying for health insurance.

Welcome to Michael Higgins Insurance, an independent Arizona medical insurance agency that specializes in Arizona health insurance plans offered by Blue Cross Blue Shield of Arizona. With decades of experience in the Arizona health insurance business, obtaining the right policy for you is most important to Mike. You may be surprised by his answers as well. He will take the time necessary to solve your Arizona health insurance needs, suggesting different approaches or programs that may be beneficial. His priority is to answer any questions you may have, whether you purchase a Blue Cross Blue Shield of Arizona or Aetna policy or not.

Child-Only policies are offered by Blue Cross Blue Shield of Arizona in select counties.

Short-term policies are an alternative to child-only plans, but do NOT qualify under the Essential Benefits federal rule, meaning the IRS will impose a fine for not insuring a child on a qualifying plan such as those offered by Blue Cross of AZ.


Blue Cross Blue Shield of Arizona

For further information, 24/7, please call 602.405.8769 to speak with Mike.

Michael Higgins looks forward to hearing from you.

Email: or HERE.