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Cave Creek Insurance Products & Services
We specialize in the following

Short-Term Health Insurance Plans

Group Health Insurance Plans

Medicare Advantage Plans

Individual And Family Insurance Plans

Medical Supplement Plans

Cave Creek Accident Plans

Annuity Insurance

Dental Insurance Plans

Life Insurance Plans

Long Term Care

Critical Illness Plans
Our top-rated Cave Creek insurance company is well-versed in a wide variety of insurance policies. When you are ready to seek health insurance coverage, life insurance, Medicare, dental insurance, accidental insurance, or another type of policy, our professional agents are ready to offer guidance and education.
“When you do what’s right you can’t go wrong!”
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Meet The Agents Of Phoenix Health Insurance Near Cave Creek

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

Stacie Howard
Director
Individual Family Plans

Chris Gabbard
Director
Group Benefits

Frank Stevens
Director
Financial Services

Stacy Petro
Director
Customer Service / Operations Director

Brent Clouse
Business Development Manager

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

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.

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
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.

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.

Lucy Swagerty
Lucy brings over 25 years of experience in Customer Service, Sales and Marketing. Lucy has spent the last 14 year specializing in Medicare, Life Insurance, and Property and Casualty Insurance

Roman Stolcis
Roman brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.
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.
“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

West Valley Health Insurance
Finding proper health coverage for yourself and your loved ones in the West Valley can be a frustrating journey. Whether you are facing gaps in your current plan, or want to pursue a different type of coverage, Phoenix Health & Life Insurance is ready to assist.

Tempe Health Insurance
With the wide range of health insurance policies available in Tempe, it can quickly become overwhelming to find the best coverage that fits both your needs and your budget. Let our licensed agents at Phoenix Health Insurance guide you through the process.

East Valley Health Insurance
As a top provider of health insurance and life insurance in the East Valley, Phoenix Health & Life Insurance carries many years of experience in the insurance world. We provide honest information and thorough education so you can make the best decision for your family.

Scottsdale Health Insurance
When you need professional help finding affordable, comprehensive health coverage in Scottsdale, Phoenix Health & Life Insurance is an excellent resource. We specialize in knowing the ins and outs of every plan available, and helping our clients find the best fit for their needs.
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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