Sun City West Health Insurance

Qualified Health Insurance Brokers Near Sun City West

Choosing a health insurance plan is one of the best investments you can make for your family. Visit our qualified Sun City West health insurance agents at Phoenix Health & Life Insurance to learn more about premiums, coverage gaps, pre-existing conditions, and how to find a plan that covers your needs!

Leading Life Insurance Plans Near Sun City West

Life insurance is not typically a top priority, but is a critical aspect of a well-rounded financial plan. Our Sun City West life insurance agents can break down the options available to you as you consider the financial needs of your family in the event of your death.

Best Rated Sun City West Medicare Policies

Medicare provides solid medical coverage for many people nationwide, but does require secondary insurance to cover the gaps for true functionality. Let Phoenix Health & Life Insurance make sure you and your family have optimal coverage through an additional health insurance policy that meets your medical needs and your budget.


Phoenix Health Insurance
20823 N Cave Creek Rd, Building B Suite 101
Phoenix, AZ 85024
Mesa Health Insurance
4455 E Broadway Rd #104,
Mesa, AZ 85206
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    Sun City West Health Insurance With United HealthCare
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    Sun City West Insurance Products & Services

    We specialize in the following
    Short Term Healthcare Plans Near Sun City West

    Short-Term Health Insurance Plans

    Sun City West Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Sun City West

    Medicare Advantage Plans

    Sun City West Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Sun City West Medical Supplement Plans

    Medical Supplement Plans

    Car Accident Insurance Plans Near Sun City West

    Sun City West Accident Plans

    Sun City West Annuities Insurance Brokers

    Annuity Insurance

    Dental Insurance Plans Near Sun City West

    Dental Insurance Plans

    Sun City West Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care Near Sun City West

    Long Term Care

    Critical Injury Health Insurance Coverage Near Sun City West

    Critical Illness Plans

    As an experienced, friendly insurance agency, Phoenix Health & Life Insurance specializes in offering a wide variety of Sun City West insurance policies to residents throughout Arizona. Give us a call today for professional guidance and expertise regarding the options available to your family.

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

    Meet The Agents Of Phoenix Health Insurance Near Sun City West

    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.

    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.


    “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

    Shopping for comprehensive health coverage in the West Valley can quickly become defeating and confusing. Let our Sun City West group health insurance agents at Phoenix Health & Life Insurance offer professional guidance and direction as we break down the options available to you!

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    When you need expert help finding affordable health coverage in Tempe, look no further than Phoenix Health & Life Insurance. Whether you are starting from scratch or simply need gaps covered, our agents can ensure you have optimal coverage at an affordable rate.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    As the top-rated health insurance agents in the East Valley, Phoenix Health & Life Insurance is highly experienced and can explain policies and premiums to you in a clear and concise way. Let us help you find a policy that best suits your needs!

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    When looking for comprehensive health coverage that leaves no coverage gaps, Phoenix Health & Life Insurance is an excellent resource. We specialize in knowing the ins and outs of a wide variety of policies, and will help you make an informed, stress-free decision.

    Our Health Insurance Blog

    What Is Medicare Part D & How Does It Work?

    November 29th, 2021|

    What Is Medicare Part D & How Does It Work? Understanding The Basics Of Medicare Part D Medicare Part D is an optional Medicare insurance program that provides coverage for prescription medications. [...]

    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 [...]

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    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.

    Your Team at Phoenix Health Insurance

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      PHX Health Insurance Contact Our Office Near Sun City West

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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