South Tucson Health Insurance

Top Rated Health Insurance Policies

Finding the right health coverage for yourself or your family can be a stressful, confusing process. At Phoenix Health & Life Insurance, our licensed South Tucson health insurance agents offer thorough information as you consider coverage options and make the best decision for your needs and your budget.

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Qualified Health Insurance Agents

At Phoenix Health & Life Insurance, we know that life insurance is typically not at the forefront of the priority list. However, it is a critical aspect of ensuring the financial security of your loved ones after your death. Contact our experienced South Tucson life insurance agents today to learn more!

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Professional Counseling For Medicare Plans

Medicare is an excellent health coverage option for many people, but it requires a secondary plan to ensure any coverage gaps are taken care of. If you need expert help finding a supplementary policy, or have questions about enrolling in Medicare, our South Tucson Medicare agents are ready to help.

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Visit Our South Tucson Health Insurance Agency

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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    South Tucson Level Funded / Return Of Premium Health Insurance

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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
    South Tucson Health Insurance With United HealthCare
    South Tucson Health Insurance With Humana
    South Tucson Health Insurance With Aetna
    South Tucson Health Insurance With Cigna
    South Tucson Health Insurance With Bluecross Blueshield
    South Tucson 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

    South Tucson’s Preferred Insurance Products & Services

    South Tucson Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Medicare Advantage Plans Near South Tucson

    Medicare Advantage Plans

    South Tucson Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near South Tucson

    MEDICARE SUPPLEMENT PLANS

    Short-Term Health Insurance Plans Near South Tucson

    Short-Term Health Insurance Plans

    South Tucson Accident Plans

    Accident Plans

    Life Insurance Plans Near South Tucson

    Life Insurance Plans

    Critical Illness Plans Near South Tucson

    Critical Illness Plans

    Dental Insurance Plans In South Tucson

    Dental Insurance Plans

    South Tucson Long Term Care

    Long Term Care

    Annuities in South Tucson

    Annuities

    No matter what type of insurance policy you need, Phoenix Health & Life Insurance is a five-star South Tucson insurance agency dedicated to helping individuals and businesses find the best policy for their needs. Whether you need dental, emergency, or Medicare coverage, we can help you make an informed decision with confidence!

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

    Meet The Agents Of Phoenix Health Insurance Near South Tucson

    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.

    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.

    ★★★★★

    Services Of Our Health Insurance Agency

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Finding health coverage in the East Valley should not be complicated. Our agents at Phoenix Health & Life Insurance are licensed, experienced, and ready to help you make an educated decision about the best policy for your needs.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    Whether you are seeking health coverage for yourself, your family, or your employees, Phoenix Health & Life Insurance offers reliable education in a no-pressure environment so you can take time to ask questions and understand the coverage options available to you.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    When you need professional help finding effective, affordable health coverage in the West Valley, visit our agents at Phoenix Health & Life Insurance. We are highly knowledgeable about all the policies on the market and are an excellent resource for your questions.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    It should not be difficult to find comprehensive health coverage for your family in Tempe! Start browsing your options today at Phoenix Health & Life Insurance, whether you are facing gaps in coverage or want a fresh start.

    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 South Tucson

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

      EMAIL

      View Map | Get Directions

      (623) 516-8300
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