Locations
Why Altrua Health Sharing Ministry?
- Unlimited Telamedicine
- Part Of One OF The Largest Health Care Networks In The Nation
Large PPO Multiplan Nationwide Network
- Low Monthly Contribution Amounts from $105 for Single to $520 for a Family
Stable Rates due to Healthy participants
Up to $2,000,000.00 of Lifetime limit per member
$35 Doctor, Urgent Care, And Specialist Visits
Maternity Sharing available
Affordable Buckeye Insurance Products & Services
We specialize in the following
Individual and Family Insurance Plans
Medical Supplement
Plans
Group Health Insurance Plans
Medicare Advantage Plans
Accident Plans
Short-Term Health Insurance Plans
Dental Insurance Plans
Critical Illness Plans
Long Term Care
Life Insurance Plans
Annuities
We stand by our products and services.. that’s why we offer free evaluations. But if we determine that your original coverage is better, we will let you know.
“When you do what’s right you can’t go wrong!”
Proud Sponsors Of:
Meet The Agents of Phoenix Life Insurance
Lynn Marble
Master General Agent and specializes in Medicare, Individual Family Plans.
Stacy Petro
Health insurance agent, Medicare agent, office manager and customer support specialist.
Chris Gabbard
Licensed agent specializing in Commercial Group Health, Individual Health, Medicare Plans.
Stacie Howard
Stacie specializes in Group Health, Individual Health, Life Insurance and Medicare.
Frank Stevens
Frank is licensed and specializes in Life Insurance, Health Insurance and Annuities.
Troy Chevalier
Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.
Steve Arey
Steve’s knowledge of Life Insurance, Annuities, Health Insurance, Employee Enhanced Benefits for Individuals and Groups including Medicare for Seniors.
Jennifer Clawson
She is a licensed Health and Life agent who strives to provide exceptional customer service and information to every client and employee she interacts with.
Angela Gabbard
Group Account Coordinator and better half of Team Gabbard
Hayden Swann
Licensed agent specializing in Individual and Family Health Plans
Whatever your personal healthcare situation may be, Hayden will be able to help.
Karyn Ellsworth
Karyn is a licensed Arizona Health and Life agent that brings her award winning smile and customer service to her clients every time.
Our Client Reviews
“Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”
STEVIE KING
“When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”
BRUCE D KLIPP
“Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”
SCOTT RICHARDS
Our Service Areas
Tempe Health Insurance
Are you a Tempe resident trying to get health insurance? Is it frustrating? Our knowledgeable agents at Phoenix can make it so much easier for you. We will get you the exact policy for you and your family. Give us a call today to learn more.
Scottsdale Health Insurance
Finding health insurance in Scottsdale does not have to be a hair-pulling experience. Our friendly agents at Phoenix will work closely with you to find the plan that works well within your budget. They have years of experience and will ensure your satisfaction. Call us today!
West Valley Health Insurance
As a West Valley resident, you want to get health insurance that will be helpful to both you and your bank account. Call us at Phoenix to have our friendly agents get you on the path to what you need. Feel free to contact us today!
East Valley Health Insurance
Do you become nervous when thinking about getting health insurance in East Valley? Reach out to us at Phoenix and our reassuring agents will make finding a policy easy. They will see what your budget is like and then get you something that fits. Learn more today!
Our Health Insurance Blog
3 Indisputable Reasons You Should Visit Your Doctor
3 Indisputable Reasons You Should Visit Your Doctor A lot of people put off going to see the doctor. Some may not go because they have anxiety about doctors and healthcare facilities [...]
Short-Term Coverage vs. Healthshare Ministry Plans: Which Is Right for You?
Short-Term Coverage vs. Healthshare Ministry Plans: Which Is Right for You? You know you need health coverage, but you may not be able to afford it. Or you may have had insurance [...]
Tips for Finding the Most Affordable Health Plans Available
Tips for Finding the Most Affordable Health Plans Available Did you know that you are 25% more likely to use you Health Insurance than you are Home or Auto Insurance? You need [...]
New IRS Rules For Employers Regarding Health Insurance
Within the past year, the IRS posed a question to themselves to consider imposing more specific rules and guidelines to employers. These rules were in regard to the effect of employers’ decisions to contribute to employees choosing alternate healthcare coverage.
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 order to be set apart from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s), the IRA designated the new arrangement of specific guidelines to be known as “employer payment plans”.
Because employer payment plans are considered to be group health plans, as such they are subject to the provisions and rules of the Affordable Care Act (ACA). This includes the prohibition of an annual limit for essential health benefits, along with the requirement for full coverage on preventive health services. Unfortunately, these provisions also mean that employees cannot purchase separate coverage for these particular benefits, because according to the IRS, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms”.
The IRS has mandated that because employer payment plans do not satisfy the market reforms, employers would be required to pay an excise tax of up to $100 per day per employee. That totals up to $36,500 per year for just one single employee, let alone 50 or 100 or more employees.
While the IRS and Department of Labor have decided that HRAs and healthcare FSAs are acceptable plans for helping employees pay for certain benefits including vision, dental, accidents, long-term care, and automobile medical payment coverage, it has been determined that employer payment plans cannot be integrated with either one.
Wraparound Coverage
Fortunately, there is an alternate form of health coverage available that is not actually subject to ACA requirements. Called “wraparound coverage”, it was established in 2015 and determines that employers can help employees buy basic health insurance without being penalized. This insurance must be supplementary to a standard health plan that does meet ACA requirements, and coverage cannot cost more than 15% of the standard health plan cost offered to the rest of the employees.
For employers still pursuing other healthcare options, the penalties for an employer payment plan can be avoided by giving employees a pay raise that will sufficiently cover their health benefits.
However, if this is the route you choose as an employer, remember that pay raises equal increased payroll taxes. Ultimately, because all income is taxed, the amount your employees will have left available to cover the cost of health premiums will be less than intended. Additionally, employees may soon forget why they actually received the raise, and can quickly become resentful that a standard health plan is not offered to them as valued employees.
Lastly, it is important to note that even if you provide a salary raise to your employees to avoid employer payment plan penalties, you will still be subject to the penalty required for not providing a health coverage plan to your employees.
Sincerely,
Your Team at Phoenix Health Insurance