Phoenix Health Insurance

Health Insurance

Obtaining health insurance can be very confusing and stressful. From Obamacare requirements to gaps in coverage, there is a lot for patients to be concerned about. Fortunately, the health insurance agents at Phoenix Health Insurance can assist in finding a policy which works for you and your family.

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Life Insurance

Life Insurance is not always the first thing many people think of when they insure against risk. But, as families grow and the number of people depending upon us increases, having a life insurance policy in place is vital. Whole Life, Term and other options can be explained by your life insurance agent.

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Medicare & Medicaid are imperfect programs, providing some insurance and coverage. Fortunately, there are health insurance plans designed to work with Medicaid, covering the gaps and the areas where the Medicare program falls short. Call your broker to discuss options for medigap coverage.

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Level Funded / Return of Premium Health Insurance

United Healthcare, One of the plans offered by Phoenix Health Insurance

Humana, One of the plans offered by Phoenix Health Insurance

Aetna, One of the plans offered by Phoenix Health Insurance

Cigna, One of the plans offered by Phoenix Health Insurance

BlueCross Blueshield, One of the plans offered by Phoenix Health Insurance

Why Altrua Health Sharing Ministry? No Obamacare tax penalty, Family coverage as low as $275 per month, $1,000,000.00 of lifetime coverage per person, $35.00 Doctors Visits, Electronic Applications & more!

Insurance Products & Services

We specialize in the following:

individual to family insurance plans

Individual and Family Insurance Plans

group health insurance plans

Group Health Insurance Plans

medical supplement plans

Medical Supplement Plans

medicare advantage plans

Medicare Advantage Plans

short term health insurance

Short-Term Health Insurance Plans

dental insurance plans

Dental Insurance Plans

accident insurance plans

Accident Plans

critical illness plans

Critical Illness Plans

life insurance plans

Life Insurance Plans

long term care

Long Term Care



We offer a free evaluation for all products and services. If for some reason the coverage you have is better than what we can provide we will be the first to let you know.

“When you do what’s right you can’t go wrong!”

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Meet The Agents Of Phoenix Health Insurance

Phoenix Health Insurance Agent Lynn Marble

Lynn Marble

Master General Agent and
specializes in Medicare, Individual
Family Plans,
Stacy Petro provides guidance to people in Arizona looking for health insurance.

Stacy Petro

Health insurance agent, office manager and customer support specialist
Health Insurance agent Chris Gabbard

Chris Gabbard

Licensed agent specializing in Commercial Group Health* Individual Health*Medicare Plans*Life Insurance *Dental
Assistance with medicare, life insurance, and other types of coverage and policies from Stacie Howard

Stacie Howard

Associate Agent
Stacie specializes in Group Health, Individual Health, Life Insurance  and Medicare .

Frank Stevens

Frank brings his experience to help make life easier, less stressful and more efficient by helping others make smart financial decisions that will benefit them today and in the future. Frank is licensed and specializes in Life Insurance, Health Insurance and Annuities. He will work with you to achieve your personal and business goals.
Arizona Health Insurance can be complicated, Troy Chevalier can help

Troy Chevalier

Troy brings his years of experience from Financial Services and the Health/Life insurance industry to serve as an associate agent at Phoenix Health Insurance. He specializes in Group Health, Individual Health, Life Insurance and Medicare.
Kristi DeWitt-Quintero | Life Insurance and Annuities Manager

Linda Robens

Linda has been in the Healthcare Industry for 20+ years.
As a Licensed and Certified Health and Life Insurance Agent, she specializes in Individual Health, Life Insurance, Dental and Medicare Plans.
Health Insurance agent John Rich Bicket

John Rich Bicket

Licensed agent and has specialized in medicare for over 20 years. 

Proud Sponsors Of:


Our Client Reviews

Five Stars Reviews for The agents of Phoenix Health

“Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”
“Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated”
“The rep showed personal interest in my needs and helped me make a well informed choice for personal health insurance.”

Our Health Insurance Blog

New IRS Rules For Employers Regarding Health Insurance

Last year, the IRS spelled out how it would treat employer contributions to employees to help them buy coverage on their own. More recently, it reiterated its position in Q&A format. The question the IRS posed to itself:

   What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for premiums they pay for health insurance (either through a qualified health plan in the marketplace or outside the marketplace)?

Employer Payment Plans

In answering its own question, the IRS characterized such arrangements as “employer payment plans.” These are different from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s).

The IRS considers employer payment plans as group health plans, subject to the provisions of the Affordable Care Act (ACA), including the ban on annual limits for essential health benefits and the requirement for full coverage of preventive health services. But, even if employees bought coverage which featured those benefits, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms,” according to the IRS.

The penalty for having an employer payment plan would make it prohibitively expensive. Specifically, employers could be subject to an excise tax as high as $100 per day per employee (that is, $36,500 per year per employee).

The IRS and the Department of Labor also take the position that an HRA cannot be integrated with “individual market coverage or with an employer plan which provides coverage through individual policies” without violating the ACA. However, HRA’s and healthcare FSA’s can still be used to help employees pay for “excepted” benefits, including vision, dental, accident, long-term care and automobile medical payment coverage.

Wraparound Coverage

Another form of health coverage, not subject to ACA requirements, which employers can help employees buy beginning in 2015 without being penalized is “wraparound coverage.” That’s basic health insurance to supplement a standard health plan which meets ACA requirements. This coverage cannot cost more than 15 percent of the cost of the basic health plan offered to your employees, however.

If you are still determined to get out from between your employees and their health plan coverage, you could avoid the “employer payment plan” penalties by simply giving employees a pay raise sufficient to subsidize their health benefits to the degree you want and can afford.

Keep in mind, however, you will be subject to higher payroll taxes, and since this income is taxable to employees, the amount of the raise they’ll have available to buy health coverage will be reduced by their added tax liability. Also, workers may eventually forget why they got the raise, and consider themselves employees of a company that doesn’t value its workers enough to offer health benefits.

Finally, if you are large enough to be subject to the ACA’s employer mandate, the salary increase tactic won’t allow you to avoid the penalty for not providing health coverage.

Your Team at Phoenix Health Insurance

An Important letter From Your Health Insurance Broker


2016 Is shaping up to be the most challenging year we have ever seen in the Individual Health Insurance Market in Arizona. Due to massive losses sustained by every carrier in AZ there will be huge changes this year so please take a few minutes to read this update.

So what is happening with the Individual Health Insurance Market?

1. Blue Cross Blue Shield lost over $90 million and as a result will no longer offer any PPO plans for 2016 except for those people who have grandfathered plans that were written before 01/01/2014. Over 77,000 people will be getting a letter notifying them that their coverage will no longer be available. Blue Cross Blue Shield of AZ will only offer HMO plans in 2016. The average rate increases for theses HMO plans will be around 29% compared to last year’s same HMO plans. Current HMO members may want to either increase their deductibles to save money or look elsewhere because the Blue Cross Alliance and Select network plans will still be some of the most competitive in Maricopa County.

2. Health Net of Arizona lost a reported $86 million dollars and will follow the lead of Blue Cross and will drop all PPO’s except for one basic Bronze plan that we will not be selling. They will no longer be offering their benefit rich Platinum $750 deductible or Gold $1500 deductible plans. These two plans represented 90% of the plans that we at Phoenix Health Insurance sold for Health Net. Health Net’s prices also increased on average 21% for remaining HMO plans.

3. Meritus only lost $16 million and is our states only local CO-OP and was a very good option that provided predictable benefits along with some of the lowest prices. Unfortunately last week the Department of Insurance placed Meritus into Receivership, which means that unless something can be worked out in the next week or so all 58,000 Meritus customers should plan on finding a new home for 2016. This is unfortunate as some believe that this is a political move but you can view more about this here http://www.meritusaz.com/content/meritus-frequently-asked-questions-faqs.

4. Assurant was the first recorded casualty this year with losses exceeding over $120 million dollars. They announced that after 102 years in the health insurance market they would be closing its doors for individual health as of the middle of 2015. Assurant was the ONLY OPTION for MAYO CLINIC that we had here in Arizona.

So how do I find a new plan for 2016?
1.Off Exchange: Visit our new website phxhealthinsurance.com and click on the Health Insurance Quote Now button. This is a custom quote link that will allow you to compare and apply.

2.On Exchange: You have to use the www.healthcare.gov and please check the box that says you are working with a broker and enter 15856993 in the NPN Number. It is a small box in the first section of the application that you have to click on.

 *OR quote our top 3 carriers for 2016 one at a time

Blue Cross Blue Shield of Arizona quote link:https://broker.azblue.com/12878

Cigna quote Link:https://cignaindividual.com/public/Quoting/Individual/EnterQuoteCriteria.aspxSFFjB61wbbN60xWzDwts6b+QLjujoVBU9Q0QNzzCDAs=

Health Net Quote Link: https://www.healthnet.com/getquote?a=108903&ga=

Due to the overwhelming nature of having 752 clients who all need to replace their plans within 37 days we simply cannot deliver the same one to one service that we have been able to provide in the past. We hope that you will use these tools to purchase your 2016 plan so that we may continue to be your agent of record and serve you throughout the years to come. I appreciate any feedback that you have and hope that you will email us with what plan you have selected so that we may follow up on it for you. Please email info@phxhealthinsurance.com. Thank you for your understanding and please email or call 623-516-8300 for more direction.

Sincerely, Lynn Marble and your team at Phoenix Health Insurance

Our Services Areas

Scottsdale Health Insurance

To obtain the proper health insurance in Scottsdale, you might think there are a lot of holes to jump through. Making sure that you have the proper health coverage and making sure that everything is taken care of is essential to successfully finding the right coverage. The agents at Phoenix Health Insurance can help find the right plan for you.

Tempe Health Insurance

Getting the right coverage in Tempe can really be a burden if you don’t have the proper help and assistance. Make sure that you have all the help you need and come to Phoenix Health Insurance. Our agents are expertly trained to help you find the right policy that fits your needs and is affordable and doable for your future. Phoenix Health Insurance can help you!

East Valley Health Insurance

Shopping around for health insurance can be tricky and exhausting. Making sure you get the right policy and being able to afford it is probably at the top of your requirements. Luckily, Phoenix Health Insurance has plenty of coverage for East Valley areas like Mesa, Gilbert, and Chandler. Get the coverage and policy you need with Phoenix Health Insurance.

West Valley Health Insurance

If you are looking for the right health insurance policy, Phoenix Health Insurance can help you find the one with the right coverage and at an affordable price. With coverage spanning the West Valley such as Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise, the agents at Phoenix Health Insurance will find you the exact policy you need.