Sun Lakes Health Insurance

Local Health Insurance Brokers Near Sun Lakes

Phoenix Health & Life Insurance is a top provider of Sun Lakes health insurance plans and life insurance policies. Whether you are searching for a plan for individuals, families, or businesses, our agents are committed to providing affordable, functional policies to cover your medical and financial needs.

Tailored Life Insurance Plans Near Sun Lakes

Life insurance policies can be an overwhelming and scary thing, especially because you want to ensure your family is financially protected if your life were taken. At Phoenix Health & Life Insurance, we make finding a Sun Lakes life insurance policy simple and painless, so visit with us today!

Most Recommended Sun Lakes Medicare Policies

Medicare is designed for certain individuals who meet specific criteria. If you are curious, visit our Sun Lakes Medicare agents today to learn if you qualify and how to get enrolled. We will simplify the information and determine if it is the best choice for your needs.


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 Lakes Insurance Products & Services

    We specialize in the following
    Short Term Healthcare Plans Near Sun Lakes

    Short-Term Health Insurance Plans

    Sun Lakes Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Sun Lakes

    Medicare Advantage Plans

    Sun Lakes Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Sun Lakes Medical Supplement Plans

    Medical Supplement Plans

    Car Accident Insurance Plans Near Sun Lakes

    Sun Lakes Accident Plans

    Sun Lakes Annuities Insurance Brokers

    Annuity Insurance

    Dental Insurance Plans Near Sun Lakes

    Dental Insurance Plans

    Sun Lakes Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care In Sun Lakes

    Long Term Care

    Critical Injury Health Insurance Coverage Near Sun Lakes

    Critical Illness Plans

    No matter what type of policy you are searching for, our Sun Lakes insurance agents at Phoenix Health & Life Insurance carry valuable knowledge and experience regarding a variety of policies and benefits. We will help you find a functional and affordable option for your needs!

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

    Meet The Agents Of Phoenix Health Insurance Near Sun Lakes

    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

    Stacie Howard Insurance Agent

    Brent Clouse

    Business Development Manager

    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

    Finding the ideal West Valley health insurance policy to cover the needs of yourself, your family, or your business can be frustrating and overwhelming. Our team at Phoenix Health & Life Insurance is ready to simplify the information to help you make an educated decision.

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    Finding affordable health coverage in Tempe can seem almost impossible at times. If you feel defeated by the process, contact Phoenix Health & Life Insurance to consult with our friendly, knowledgeable agents and find the most ideal policy for your needs.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    There is a wide variety of life and health insurance policies, benefits, and carriers available in the East Valley. To sort through the options and find the best East Valley health insurance plan for your family, visit with Phoenix Health & Life Insurance.

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    When looking for comprehensive, affordable health coverage policies in Scottsdale, our agents at Phoenix Health & Life Insurance can help. We carry valuable experience and knowledge that allow us to help you make an educated decision regarding coverage for your financial and medical needs.

    Our Health Insurance Blog

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    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 Lakes

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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