Marana Health Insurance

Top-Rated Health
Insurance Policies

Health insurance is a vital part of life, but finding the right policy can be an incredibly frustrating and confusing process. As a licensed health insurance agency in Marana, Phoenix Health & Life Insurance offers helpful guidance and reliable education as you consider various policies on the market. We are ready to discuss your needs and your budget to help you find the best coverage for your family. Call today to schedule a consult with our agents and learn more!

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Qualified Health
Insurance Agents

Each of our Cottonwood health insurance agents at Phoenix Health & Life Insurance is licensed, certified, and well-versed in insurance policies. We work diligently to keep our knowledge current with the most current variety of policies available to individuals, families, and employees, so that we can do our best as we help you make an educated decision. Schedule a consultation with Phoenix Health & Life Insurance today and let our knowledgeable health insurance agents walk with you through the enrollment process.

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Professional Counseling
For Medicare Plans

Medicare is an excellent healthcare policy for many individuals throughout the nation, but it is not comprehensive and requires additional coverage to ensure all the gaps are covered. If you need expert help learning more about Medicare plans, enrolling in Medicare, or finding a supplemental policy, reach out to our Marana Medicare agents at Phoenix Health & Life Insurance. We are licensed and very knowledgeable about how Medicare works, and are ready to share that with you!

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Visit Our Health Insurance Agency Near You

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 In Marana

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    • Employer pays monthly amount to cover estimated costs
    • Employer pays premium and plan administration costs
    • You are required to pay the claims
    • Plan is available to companies with a certain number of employees
    • Provides the opportunity to benefit from a favorable claims year
    Marana Health Insurance With United HealthCare
    Marana Health Insurance With Humana
    Marana Health Insurance With Aetna
    Marana Health Insurance With Cigna
    Marana Health Insurance With Bluecross Blueshield
    Marana 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

    Find A Provider

    Marana’s #1 Insurance Products & Services

    Marana Individual and Family Health Insurance Plans

    Individual & Family
    Insurance Plans

    Medicare Advantage Plans Near Marana

    Medicare
    Advantage Plans

    Marana Group Health Insurance Plans

    Group Health
    Insurance Plans

    Medicare Supplement Plans Near Marana

    MEDICARE
    SUPPLEMENT PLANS

    Short-Term Health Insurance Plans Near Marana

    Short-Term Health
    Insurance Plans

    Marana Accident Plans

    Accident
    Plans

    Life Insurance Plans Near Marana

    Life
    Insurance Plans

    Critical Illness Plans Near Marana

    Critical
    Illness Plans

    Dental Insurance Plans In Marana

    Dental
    Insurance Plans

    Marana Long Term Care

    Long
    Term Care

    Annuities in Marana

    Annuities

    No matter what type of health insurance coverage you need, Phoenix Health & Life Insurance is here to help. Our five-star Marana health insurance team is dedicated to helping clients find the best policy for their needs. There is something for everyone here including dental coverage, emergency coverage, Medicare, or accident coverage. Whether you are starting from scratch or want to find a better policy for your family’s health needs, Phoenix Health & Life Insurance is an excellent resource. We look forward to working with you!

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

    Meet The Agents Of Phoenix Health Insurance Near Marana

    Lynn Marble Insurance Agent

    Lynn Marble

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

    Stacie Howard Insurance Agent

    Stacie Howard

    Director
    Individual Family Plans

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Director
    Group Benefits

    Frank Stevens Insurance Agent

    Frank Stevens

    Director
    Financial Services

    Stacy Petro Insurance Agent

    Stacy Petro

    Director
    Customer Service / Operations Director

    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.

    Read Our Clients’ 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 Health Insurance Agency’s Service Areas

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Finding affordable, comprehensive health insurance coverage in the East Valley does not have to be a complicated process. Whether you are facing gaps in coverage in your current policy or have never invested in health insurance before, Phoenix Health & Life Insurance is dedicated to providing reliable information about what is available to you. Contact us today to schedule a consultation!

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    When you need expert help finding effective, affordable health coverage in Scottsdale, visit with our agents at Phoenix Health & Life Insurance. We are very knowledgeable about the ins and outs of every policy on the market and are ready to share that knowledge with you. Our licensed agents work diligently to keep their knowledge current with the latest developments and requirements!

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Working with a licensed agent can make all the difference whether you are seeking coverage for yourself, yoru family, or your employees. At Phoenix Health & Life Insurance, we have the knowledge and expertise necessary to help our clients understand the benefits of policies available to them in the West Valley. Visit us today and find the best coverage possible for your health needs.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    Finding appropriate health coverage for your family in Tempe can be a frustrating process, but it doesn’t have to be! Phoenix Health & Life Insurance is an experienced agency with decades of success helping clients find the most comprehensive health coverage for their families. We offer thorough information in a no-pressure environment so you can feel comfortable asking questions and take your time making a decision.

    Read Our Blog & Learn More About Health Insurance

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    Our Health Insurance Agency’s Office

    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 Marana

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

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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