Payson Health Insurance

Convenient Health Insurance Policies

Having health insurance is a wise decision that prepares you for the medical emergencies of life. The process of finding a comprehensive, affordable policy can be complicated and lengthy unless you have the guidance of a licensed health insurance agency in Payson. At Phoenix Health Insurance, we provide reliable education and information as you learn about the policies available to you and find the best coverage for your family’s needs.

Leading Health Insurance Agents

As a team of licensed Payson health insurance agents, Phoenix Health & Life Insurance carries years of valuable experience and knowledge. We work diligently to keep our knowledge current with the latest policies available on the market so that we can help our clients make educated decisions that they feel comfortable making. Whether you seek coverage for an individual, a family, or your employees, our agents are ready to help.

Top-Rated Counseling
For Medicare Plans

While Medicare is widely used by many individuals throughout the nation, it is not a comprehensive policy and requires secondary coverage to ensure all the gaps are covered. Whether you are curious about Medicare and how to enroll, or you need help finding a supplemental policy for gap coverage, the Payson Medicare counselors at Phoenix Health Insurance are an excellent resource. Visit us today to get started!

Visit Our Health Insurance Agency Near You

Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024

Scottsdale Health Insurance
6819 E Willetta St,
Scottsdale, AZ 85257

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    Level Funded / Return Of Premium Health Insurance In Payson, AZ

    • 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
    Payson Health Insurance With United HealthCare
    Payson Health Insurance With Humana
    Payson Health Insurance With Aetna
    Payson Health Insurance With Cigna
    Payson Health Insurance With Bluecross Blueshield
    Payson Health Insurance With Bright Health


    Health Insurance Products & Services For Payson Residents

    Payson Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near Payson

    Medicare Advantage Plans

    Payson Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Supplement Plans Near Payson

    Medicare Supplement Plans

    Short-Term Health Insurance Plans Near Payson

    Short-Term Health Insurance Plans

    Payson Accident Plans

    Accident Plans

    Life Insurance Plans Near Payson

    Life Insurance Plans

    Critical Illness Plans Near Payson

    Critical Illness Plans

    Dental Insurance Plans In Payson

    Dental Insurance Plans

    Payson Long Term Care

    Long Term Care

    Annuities in Payson


    No matter what type of health coverage you are seeking, there is something for everyone at Phoenix Health Insurance. From dental, accident, and emergency coverage, to Medicare and supplemental policies, our Payson health insurance team is equipped to provide guidance and assistance. Whether you are starting from scratch or need to improve your existing policy, Phoenix Health & Life Insurance will take all the time you need to answer your questions and help you feel comfortable making an educated decision for your family.

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

    Meet The Agents Of Phoenix Health Insurance Near Payson

    Lynn Marble Insurance Agent

    Lynn Marble

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


    Stacie Howard Insurance Agent

    Stacie Howard

    Individual Family Plans

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Group Benefits

    Frank Stevens Insurance Agent

    Frank Stevens

    Financial Services

    Stacy Petro Insurance Agent

    Stacy Petro

    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.

    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.

    Karyn Ellsworth Insurance Agent

    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

    Karyn Ellsworth Insurance Agent

    Roman Stolcis

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

    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.


    “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 Fountain Hills Health Insurance

    Fountain Hills Health Insurance

    Finding comprehensive, affordable health coverage in Fountain Hills does not have to be a difficult process! With the help of our experienced agents at Phoenix Health Insurance, you can learn all about the policies available in terms that make sense. You are never pressured to make a quick decision; instead, we welcome all questions and take all the time needed to ensure you are comfortable with your policy choice.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    Working with a licensed health insurance agent in Scottsdale will make all the difference as you seek effective, affordable health coverage. Whether you need a supplemental policy or want to offer health insurance to your employees, there is something for everyone at Phoenix Health & Life Insurance. We have the knowledge and expertise necessary to offer guidance, honest education, and reliable information. Visit us today to discuss your policy needs.

    PHX Health Insurance Also Provides Phoenix Health Insurance

    Phoenix Health Insurance

    When you need expert help finding the right health coverage for yourself, your family, or your employees, Phoenix Health & Life Insurance is an excellent resource. We are driven by decades of experience and passionate about helping our clients get the healthcare policy they need to ensure their family is taken care of. We have a Phoenix health insurance policy for all types of needs including dental, accident, emergency, and chronic illness.

    PHX Health Insurance Also Provides Peoria Health Insurance

    Peoria Health Insurance

    At Phoenix Health & Life Insurance, we know that finding comprehensive coverage that works for your budget can be difficult. That is why we are ready to provide expert guidance and honest information about health insurance policies in Peoria. From start to finish, we are reliable, thorough, and friendly, and we walk with you through the entire process of learning about policies, selecting a policy, and enrolling in that policy.

    Read Our Blog & Learn More About Health Insurance

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    Will Medicare Pay For My Hearing Aid?

    November 25th, 2021|

    Will Medicare Pay For My Hearing Aid? Facts You Should Know About Medicare Coverage Of Hearing Aids About 30 million adults in the United State could benefit from hearing aids. The most [...]

    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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    Contact Our Health Insurance Agents Near Payson

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      PHX Health Insurance Contact Our Office Near Payson

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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