• 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: 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 and Pinal counties in 2017. Cities such as Phoenix, Scottsdale, Mesa, Tempe, Gilbert, Apache Junction, and others are within Maricopa and Pinal counties. BCBSAZ will continue offering individual ACA plans in most rural counties in Arizona. Premium rates in the remaining counties will increase by approximately 60% in 2017 for those with ACA individual/family plans. Similar rate increases are expected from the health insurance companies that will remain in the 2017 individual ACA market, of which there will be few. As of August, 2016, no health insurance company will be offering ACA Marketplace policies in Pinal County.

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 mid-August 2016, Cigna is the only viable option for 2017 individual and family Marketplace policies in this broker’s opinion. United Healthcare, BCBSAZ, HealthNet, and Humana have already announced their departure for 2017, each carrier with hundreds of millions of dollars in losses to date. Aetna individual plans may be available off Exchange, though federal subsidies are not available for such policies.

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.

Cigna is in a position to become the individual market leader in Arizona, if for no other reason than all major competitors have left the market in 2017. It is rumored that one or two much smaller insurers will remain in 2017. As an example, Phoenix Health Plans (PHP) may remain, but having requested a 60.4% rate increase for 2017, this does not bode well for the market. 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 Cigna to survive what will be a very rough year. Another source of skyrocketing costs are prescription medications and specialty drugs. Cigna is large enough to negotiate the best pricing available for its members, but they will certainly need to take steps to control these costs. 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