San Tan Valley Health Insurance

Trusted Health Insurance Brokers Near San Tan Valley

Health insurance is a key part of a well-rounded plan for yourself and your family. However, sorting through the variety of San Tan Valley health insurance policies available is both overwhelming and time-consuming, so consult with our licensed agents at Phoenix Health & Life Insurance for expert guidance.

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Qualified Life Insurance Plans Near San Tan Valley

Though life insurance is not often discussed, it is a vital part of ensuring the financial security of your family is planned for, even after your death. Visit the experienced San Tan Valley life insurance agents at Phoenix Health & Life Insurance to learn more about its benefits and policies.

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Best Rated San Tan Valley Medicare Policies

Medicare is an incredible opportunity for many people throughout the nation to receive health coverage. It does require a secondary insurance plan to cover its gaps for true functionality, so visit with our agents at Phoenix Health & Life Insurance to find a plan that is compatible and fits your budget.

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Locations

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 Near San Tan Valley

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    San Tan Valley Health Insurance With United HealthCare
    San Tan Valley Health Insurance With Humana
    San Tan Valley Health Insurance With AETNA
    San Tan Valley Health Insurance With Cigna
    San Tan Valley Health Insurance With Bluecross Blueshield
    San Tan Valley 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

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    San Tan Valley Insurance Products & Services

    We specialize in the following

    Short Term Healthcare Plans Near San Tan Valley

    Short-Term Health Insurance Plans

    San Tan Valley Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near San Tan Valley

    Medicare Advantage Plans

    San Tan Valley Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    San Tan Valley Medical Supplement Plans

    Medical Supplement
    Plans

    Car Accident Insurance Plans Near San Tan Valley

    San Tan Valley Accident Plans

    San Tan Valley Annuities Insurance Brokers

    Annuity Insurance

    Dental Insurance Plans Near San Tan Valley

    Dental Insurance Plans

    San Tan Valley Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care Near San Tan Valley

    Long Term Care

    Critical Injury Health Insurance Coverage Near San Tan Valley

    Critical Illness Plans

    Whether you are looking for insurance to cover health, life, pets, accidents, dental, or other aspects of life, Phoenix Health & Life Insurance is an excellent resource. Our qualified, licensed agents are ready to simplify the information with honesty, so you can make an informed decision regarding coverage for your family.

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

    Meet The Agents Of Phoenix Health Insurance Near Casa Grande

    Lynn Marble Insurance Agent

    Lynn Marble

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

    Stacy Petro Insurance Agent

    Stacy Petro

    Health insurance agent, Medicare agent, office manager and customer support specialist.

    Chris Gabbard Insurance Agent

    Chris Gabbard

    Licensed agent specializing in Commercial Group Health, Individual Health, Medicare Plans.

    Stacie Howard Insurance Agent

    Stacie Howard

    Stacie specializes in Group Health, Individual Health, Life Insurance and Medicare.

    Frank Stevens Insurance Agent

    Frank Stevens

    Frank is licensed and specializes in Life Insurance, Health Insurance and Annuities.

    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.

    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.

    ★★★★★

    “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 Service Areas

    PHX Health Insurance Also Provides Health Insurance In The West Valley

    West Valley Health Insurance

    Finding comprehensive, affordable health coverage for yourself and your family in the West Valley can quickly become frustrating. Whether you are starting from scratch or simply need to cover gaps in a current plan, Phoenix Health & Life Insurance is ready to help.

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    At Phoenix Health & Life Insurance, we know that wading through the amount of policies and information in Tempe requires valuable time that you do not have. Our knowledge and expertise allows us to make it simple, so you can understand the variety of options available for your needs and budget.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    As a top provider of health insurance policies in the East Valley, Phoenix Health & Life Insurance is an excellent resource no matter where you stand in the insurance world. Whether you are looking for individual, joint, or family coverage, we are prepared to help.

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    When you need professional assistance as you search for comprehensive health coverage in Scottsdale, Phoenix Health & Life Insurance is a great place to start. We offer thorough education in a stress-free, no-pressure environment as you ask questions and search for the ideal health insurance policy.

    Our Health Insurance Blog

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    Office Tour

    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 San Tan Valley

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

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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