• Aetna Broker of Arizona

    "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." more

  • Arizona Family Health Insurance

    "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!" more

  • Affordable Health Insurance in Arizona

    "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!" more

Newsletter



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.

-L.M.
Houston, TX
— Rick,

“Mike,

You have provided professional & friendly guidance to our family for so many years and I hope you know how much we appreciate your help!!

Sincerely,

Charlotte”

ALERT: As of 01/01/2017, Maricopa County, AZ. will have one health insurance company offering individual and family ACA policies. All other insurers have pulled out of the market due to extreme financial losses. Tens of thousands of families will lose coverage at the end of 2016.

Centene, an insurer out of Missouri, and owner of HealthNet, has petitioned the Arizona Department of Insurance to sell individual ACA HMO policies in Maricopa and Pinal counties. Expect premiums to be roughly 65% higher than 2016 rates. No PPO networks will be available, and provider networks will be very limited.

A viable alternative to the Centene HMO ACA plans are short term health insurance policies, with coverage available for up to 364 days. Short term plans are not considered creditable coverage by the IRS, therefore policyholder’s may be subject to the IRS tax penalty which averaged $1000 last year. Even with the tax penalty, purchasing a short term plan will still likely be much less expensive than an ACA plan from Centene. This website offers short term plans from Blue Cross and Blue Shield of Arizona. Short term plans offer very good coverage at a fraction of the cost of ACA plans, but they are medically underwritten. Typically, an applicant answers around seven general health questions, and most are approved. Please call Mike Higgins if you have any questions, 24/7, at 602.405.8769.

 

Effective 01/01/2017, 44,000 current Blue Cross and Blue Shield of Arizona Affordable Care Act (ACA) individual policyholders will lose coverage, and BCBSAZ will no longer offer ACA individual policies in Maricopa County in 2017. Cities such as Phoenix, Scottsdale, Mesa, Tempe, and Gilbert are within Maricopa County. BCBSAZ will continue offering individual ACA plans in most rural counties in Arizona. Premium rates in the remaining counties will increase by approximately 65% in 2017 for those with ACA individual/family plans. The only remaining insurer in Maricopa County in 2017 for individual/family policies is Centene.

Those Not Affected: Grandfathered and Grandmothered individual policyholders, Medicare supplement policyholders, and those with group coverage will not be affected. It is highly recommended that those with Grandfathered and Grandmothered policies keep their policies in force. Those with Grandmothered policies may now keep their coverage through 2017, per new federal guidelines. (Grandmothered plans were scheduled to be fazed out on 04/30/2017.) Grandfathered plans are individual policies purchased on or before March, 23rd, 2010. Grandmothered individual plans are those purchased after March, 23rd, 2010, but before January 1st, 2014. ACA policies are those purchased on or after January 1st, 2014.

Options Available: The individual market is changing daily, and not for the better, unfortunately. As of October 2016, Centene is the only insurer for 2017 individual and family ACA Marketplace policies. United Healthcare, BCBSAZ, HealthNet, Cigna, and Humana have already announced their departure for 2017, each carrier with hundreds of millions of dollars in losses to date. Again, in this broker’s humble opinion, a short term policy from BCBSAZ may be the best way to go until major changes to the ACA have been made.

Qualify For Marketplace Tax Credit? Mike Higgins is a 2017 federally certified broker for Marketplace individual policies. Whether an individual, family, or small group interested in the federal SHOP program, Mike is more than happy to assist you. Please call 602.405.8769, any day, any time.

The government has recently tightened the rules regarding individual policies sold outside of open enrollment (a source of substantial losses for carriers) and this can only help Centene to survive what will be a very rough year. Another source of skyrocketing costs are prescription medications and specialty drugs. Higher co-pays, fewer pharmacies, and fewer covered medications are possible throughout the market.

Whether interested in Arizona individual health insurance, private family health plans, small and large group health insurance policies, or term life and dental coverage, please call Mike Higgins at 602.405.8769 for the latest information in this ever-changing market. You may also apply for individual and family coverage through this website. There is no application fee when applying online. To get started, simply click on the, “Free Quote,” box to receive a quote from Aetna. For further information on Arizona health insurance policies please visit my other website, www.higginscompanies.com. It has extensive information on maternity options, health savings accounts, (HSA,) and many other topics dealing with Cigna, Blue Cross and Blue Shield of Arizona, Aetna, and United Healthcare.

I am easy to reach, and please feel free to give me a call anytime, any day at 602.405.8769. Possibly you have a question about medical insurance in general, how deductibles work, when they apply, etc. The insurance companies I am contracted with are Cigna, BCBSAZ, Aetna, and United Healthcare. Cigna is an insurance company with a rich history going back 200 years! Back then, a group of Philly citizens formed INA, the first marine insurer in the USA. Later, Connecticut General was acquired, hence the name CIGNA. Blue Cross of AZ is a non-profit organization, and they typically have a 92%-98% approval rating.  Having dealt with BCBSAZ for the past 36 years, I can tell you that they are a company that keeps their word. Blue Cross Blue Shield of Arizona is the largest, local insurance company in Arizona. Aetna is another fine company, offering quality individual and group health policies that are competitively priced. As an insurer that is well over 100 years old, they are here for the long haul, just like their namesake, Mt. Etna in Italy. United Healthcare is the largest commercial insurance company in the nation, a fact that speaks volumes on its own.

Your monthly premium is the same whether using a broker or dealing directly with Cigna, BCBSAZ, Aetna, or UHC. For 36 years Michael Higgins Insurance, LLC. has offered health insurance, term life insurance, short term policies, and dental. Here is the dental link, Click Here.

There are many fine health insurance carriers in the state, but unfortunately most of them have been forced to pull out of the individual ACA market due to substantial losses the past three years. As most major carriers exit the Arizona market (and most individual markets throughout the country) a glimmer of hope remains with Cigna. All of these major carriers will remain in the group, dental, and Medicare supplement business in 2017. Again, if you are fortunate enough to currently have a Grandfathered or Grandmothered individual policy, keeping it in force is most likely your best option for the foreseeable future.

Michael Higgins, info@higginscompanies.com 602.405.8769