Carefree Health Insurance

Qualified Health Insurance Brokers Near Carefree

Health insurance for you and your family is a key aspect of a well-rounded life plan. Wading through its complexities and the various policies available can quickly become overwhelming and discouraging, so let our qualified Carefree health insurance agents Phoenix Health & Life Insurance provide guidance and professional expertise!

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Leading Life Insurance Plans Near Carefree

Though life insurance is not typically a top priority, it is an important investment toward the financial security of your loved ones in the event of your death. As experienced Carefree life insurance agents, Phoenix Health & Life Insurance can break down the options to help you make an informed decision.

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Best Rated Carefree Medicare Policies

Medicare is an incredible Carefree health insurance opportunity for many people to receive medical coverage. It does require a secondary insurance plan to cover the gaps for true functionality, so let our agents at Phoenix Health & Life Insurance walk you through what the options available for your family.

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Locations

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024
623-516-8300
Mesa Health Insurance
4455 E Broadway Rd #104,
Mesa, AZ 85206
480-300-5420
PhX Health Insurance logo on Contact Info

20823 N CAVE CREEK RD,
BUILDING B SUITE 101
PHOENIX, AZ 85024

EMAIL

View Map | Get Directions

(623) 516-8300

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    LEVEL FUNDED / RETURN OF PREMIUM HEALTH INSURANCE Near Carefree

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    Carefree Health Insurance With UnitedHealthCare
    Carefree Health Insurance With Humana
    Carefree Health Insurance With AETNA
    Carefree Health Insurance With Cigna
    Carefree Health Insurance With Bluecross Blueshield
    Carefree Health Insurance With Bright Health
    HealthShare Altrua logo

    Why Altrua Health Sharing Ministry?

    • Unlimited Telemedicine

    • No Obamacare Tax Penalties

    • 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 Doctors office visits 6 per year per person

    • Maternity coverage available

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    Carefree Insurance Products & Services

    We specialize in the following

    Short Term Healthcare Plans Near Carefree

    Short-Term Health Insurance Plans

    Carefree Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Carefree

    Medicare Advantage Plans

    Carefree Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Carefree Medical Supplement Plans

    Medical Supplement
    Plans

    Car Accident Insurance Plans Near Carefree

    Carefree Accident Plans

    Carefree Annuities Insurance Brokers

    Annuity Insurance

    Dental Insurance Plans Near Carefree

    Dental Insurance Plans

    Carefree Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care Near Carefree

    Long Term Care

    Critical Injury Health Insurance Coverage Near Carefree

    Critical Illness Plans

    As a top-rated Carefree insurance company, Phoenix Health & Life Insurance specializes in offering a wide variety of insurance policies to residents and their families. Call today to discuss your needs with an agent or receive professional guidance when choosing a life or health insurance policy.

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

    Meet The Agents Of Phoenix Health Insurance Near Casa Grande

    Lynn Marble Insurance Agent

    Lynn Marble

    Master General Agent and specializes in Medicare, Individual Family Plans.

    Stacy Petro Insurance Agent

    Stacy Petro

    Health insurance agent, Medicare agent, office manager and customer support specialist.

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Licensed agent specializing in Commercial Group Health, Individual Health, Medicare Plans.

    Stacie Howard Insurance Agent

    Stacie Howard

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

    Frank Stevens Insurance Agent

    Frank Stevens

    Frank is licensed and specializes in Life Insurance, Health Insurance and Annuities.

    Troy Chevalier Insurance Agent

    Troy Chevalier

    Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.

    Angela Gabbard Insurance Agent

    Angela Gabbard

    Group Account Coordinator and better half of Team Gabbard

    Hayden Swann Insurance Agent

    Hayden Swann

    Licensed agent specializing in Individual and Family Health Plans

    Whatever your personal healthcare situation may be, Hayden will be able to help.

    Joshua Bahr Insurance Agent

    Joe Beehler

    Licensed Health and Life Insurance Account Specialist
    Joe is an experienced agent that specializes in Life Insurance, Individual health Insurance, Group Health, Long Term Care, and Dental plans.

    Joshua Bahr Insurance Agent

    Joshua Bahr

    Licensed Health & Life Insurance Agent.
    Joshua, brings his experience as an educator and local high school football coach to his clients to share life and health insurance strategies for families and small business owners.

    Joshua Bahr Insurance Agent

    Sue Lee

    Sue Lee is a licensed health and life agent since 2016 who brings a wealth of experience as a former director of Human Resources. Sue’s private sector experience allows her to help our clients with Group Benefits, and Individual and Family plans.

    Joshua Bahr Insurance Agent

    Steve Brauer

    Steve brings his wealth of life experience as a retired police Sergeant from his first career and his vast Insurance experience to the Phoenix Health Insurance family. After retiring from the police department Steve began his insurance career in 2003 and is a seasoned benefits broker and agency owner. As a previous agency owner in the California Bay area market, Steve ran his family owned agency specializing in Employer Group Benefits, Individual Family plans and Medicare Supplements.

    Karyn Ellsworth Insurance Agent

    Karyn Ellsworth

    Karyn is a Licensed Health Insurance Agent who specializes in Medicare Planning, & Individual Family Plans. Karyn loves helping others and brings with her over 15 years of customer service expertise.

    Our Client Reviews

    “Stacie Howard was great to work with. She knew what I needed as was very knowledgeable of my options and my needs. Stacie has been my agent for a few years now and I would highly recommend her insurance services to anyone!!!”

    JOHN S.

    ★★★★★

    “My visit with Mr Lynn Marble over Health insurance was a great experience. Mr Marble was very knowledgeable about health insurance and helped me with making the right choice for my needs.”

    STAN U.

    ★★★★★
    Leave Us A Review

    “Phoenix Health Insurance was referred to me by my business partner. From day one that I contacted them through all the registration process and after, I had a great experience with their knowledge and costumer service.”

    NANCY M.

    ★★★★★

    Our Service Areas

    PHX Health Insurance Also Provides Health Insurance In The West Valley

    West Valley Health Insurance

    If you are struggling to find a Carefree group health insurance policy that covers all your needs, contact Phoenix Health & Life Insurance right away. We will help you understand the variety of options available that are affordable for all individuals, families, and groups.

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    At Phoenix Health & Life Insurance, we know that searching for affordable medical coverage can be frustrating and overwhelming. Whether you need to cover the gaps in a current plan, or are starting from square one, our agents will help you find a functional plan.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    As a top provider of many types of health insurance plans in the East Valley, Phoenix Health & Life Insurance is highly experienced in the insurance world. Our knowledge and expertise allow us to find you a policy that works for your medical needs and budget.

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    Phoenix Health & Life Insurance is an exceptional resource when searching for affordable, comprehensive medical coverage in Scottsdale. Visit us today for a stress-free experience as we help you understand the variety of benefits and policies available to you and your family.

    Our Health Insurance Blog

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    Office Tour

    Phoenix Health Insurance logo in white

    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

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      PHX Health Insurance Contact Our Office Near Carefree

      20823 N CAVE CREEK RD,
      BUILDING B SUITE 101
      PHOENIX, AZ 85024

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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