Visit Our Eloy Health Insurance Agency






Eloy’s Favorite Insurance Products & Services
We specialize in the following

Individual & Family Insurance Plans

Medicare Advantage Plans

Medicare Supplement Plans

Group Health Insurance Plans

Short-Term Health Insurance Plans

Accident Plans

Life Insurance Plans

Critical Illness Plans

Dental Insurance Plans

Long Term Care

Annuities
As a five-star Eloy insurance company, Phoenix Health & Life Insurance is dedicated to helping clients in all life situations find the best insurance for their needs and budget. From dental and life insurance, to accidental coverage and Medicare, we provide honest, reliable information!
“When you do what’s right you can’t go wrong!”
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Meet The Agents Of Phoenix Health Insurance Near Eloy

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

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 Health Insurance Agency & Its Services

East Valley Health Insurance
We know that finding proper insurance coverage for your loved ones can be frustrating and difficult, but it doesn’t have to be! Our agents at Phoenix Health & Life Insurance are here to help, whether you have gaps in your current plan or want to start new.

Scottsdale Health Insurance
There are a wide range of health insurance policies available in the Scottsdale area, so if you are seeking coverage for yourself, your family, or your employees, you are in luck! Our licensed agents at Phoenix Health & Life Insurance can help you make the best decision.

West Valley Health Insurance
Working with an experienced, knowledgeable agent at Phoenix Health & Life Insurance can make the enrollment process a stress-free experience. Our agency specializes in helping our clients understand the ins and outs of various policies and coverage in a no-pressure environment.

Tempe Health Insurance
If you need professional help finding affordable, comprehensive coverage in Tempe, our team at Phoenix Health & Life Insurance can help. We have a thorough understanding of each plan available, and can match you with best coverage for your needs and budget.
Read Our Blog & Learn More About Health Insurance
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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