Why Altrua Health Sharing Ministry?
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
Sun City West Insurance Products & Services
We specialize in the following
Short-Term Health Insurance Plans
Group Health Insurance Plans
Medicare Advantage Plans
Individual and Family Insurance Plans
Sun City West Accident Plans
Dental Insurance Plans
Life Insurance Plans
Long Term Care
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!”
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Meet The Agents Of Phoenix Health Insurance Near Sun City West
Master General Agent and specializes in Medicare, Individual Family Plans.
Individual Family Plans
Customer Service / Operations Director
Troy specializes in Group Health, Individual Health, Life Insurance and Medicare.
Group Account Coordinator and better half of Team Gabbard
Licensed agent specializing in Individual and Family Health Plans
Whatever your personal healthcare situation may be, Hayden will be able to help.
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.
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.
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.
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.
Specializing in Individual and Family coverage option via ACA Marketplace and off Exchange options
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
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!!!”
“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.”
Our Service Areas
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!
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.
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!
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.
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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.
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