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
LAVEEN’s trusted Insurance Products & Services
We specialize in the following
Medicare Advantage Plans
Group Health Insurance Plans
Individual and Family Insurance Plans
Medical Supplement
Plans
Critical Illness Plans
Dental Insurance Plans
Accident Plans
Short-Term Health Insurance Plans
Annuities
Life Insurance Plans
Long Term Care
Our principles at PHX Health Insurance are not guided by money. We stand by our products and services but will admit when someone’s original policy is better. It’s all about helping Laveen residents.
“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
Finding health insurance in Tempe should not feel like a full-time job. All you have to do is call us at PHX Health Insurance and our agents will quickly walk you through the best options. Once you have finished, you can resume doing the important things in life.
Scottsdale Health Insurance
Are you a resident of Scottsdale and need health insurance? Our knowledgeable agents at PHX Health Insurance will remove any difficulties you may have in finding what you need. Just one phone call can net you the policy that will work best for your family. Contact us today!
West Valley Health Insurance
When it comes to finding health insurance in West Valley, it shouldn’t feel like you are on a never-ending hunt. Instead, call us at PHX Health Insurance and one of our friendly agents will help you find what you need. Contact us today to see what we can do!
East Valley Health Insurance
PHX Health Insurance is dedicated to finding the best health insurance policies for East Valley residents. Our agents will comb through everything that is available and will point you to the one that will suit your budget. Give us a call today to see what we can do for you!
Our Health Insurance Blog
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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