CONSUMER EDUCATIONAL VIDEOS
Avoid These 3 Common Mistakes When Buying Health Insurance
Medicare 2025: Important Updates and What to Expect
Level Funded/Return of Premium Health Insurance
Insurance Products & Services
We specialize in the following
Individual and Family Insurance Plans
Group Health Insurance Plans
Medical Supplement
Plans
Medicare Advantage Plans
Short-Term Health Insurance Plans
Dental Insurance Plans
Accident Plans
Critical Illness Plans
Life Insurance Plans
Long Term Care
Annuities
We offer a free evaluation for all products and services. If for some reason the coverage you have is better than what we can provide we will be the first to let you know.
“When you do what’s right you can’t go wrong!”
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Meet The Agents Of Phoenix Health Insurance
Lynn Marble
Master General Agent and specializes in Medicare, Individual Family Plans.
Stacie Howard
Director
Individual Family Plans
Chris Gabbard
Director
Group Benefits
Frank Stevens
Director
Financial Services
Stacy Petro
Director
Customer Service / Operations Director
Brent Clouse
Business Development Manager
Troy Chevalier
Troy has over 10 years experience as an associate agent under Phoenix Health & Life Insurance and specializes in Medicare and Individual/Family insurance plans.
Angela Gabbard
Group Account Coordinator and better half of Team Gabbard
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
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
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.
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
Roman Stolcis
Roman brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.
Karen Szilagyi
A licensed Health and Life Agent. She specializes in Medicare, Individual, Family health plans, Life Insurance and group options.
Luis Whiteman
A Licensed Health and Life Agent. He specializes in Medicare, Individual, Family Health plans, life Insurance and group options. Habla Español.
Sue Pearson
Sue brings her years of experience to the Phoenix Health and Life insurance team with her world class customer service. Sue serves as a group benefits account manager, but also as a certified Arizona state licensed health and life agent that takes pride in doing the right thing for our Medicare eligible clients.
Melonie Vance
As the dedicated assistant to Stacy Howard Melonie is a valued asset to our family and takes pride in her customer service role.
Tori Gentry
Tori is the friendly voice that is dedicated to helping our clients get to the right place at the right time. From scheduling to client check ins, we value Tori and her talents to help keep that human touch that is so hard to come by in business today.
Our Client Reviews
“Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”
STEVIE KING
“When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”
BRUCE D KLIPP
“Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”
SCOTT RICHARDS
Our Service Areas
Scottsdale Health Insurance
To obtain the proper health insurance in Scottsdale, you might think there are a lot of holes to jump through. Making sure that you have the proper health coverage and making sure that everything is taken care of is essential to successfully finding the right coverage. The agents at Phoenix Health Insurance can help find the right plan for you.
Tempe Health Insurance
Getting the right coverage in Tempe can really be a burden if you don’t have the proper help and assistance. Make sure that you have all the help you need and come to Phoenix Health Insurance. Our agents are expertly trained to help you find the right policy that fits your needs and is affordable and doable for your future. Phoenix Health Insurance can help you!
East Valley Health Insurance
Shopping around for health insurance can be tricky and exhausting. Making sure you get the right policy and being able to afford it is probably at the top of your requirements. Luckily, Phoenix Health Insurance has plenty of coverage for East Valley areas like Mesa, Gilbert, and Chandler. Get the coverage and policy you need with Phoenix Health Insurance.
West Valley Health Insurance
If you are looking for the right health insurance policy, Phoenix Health Insurance can help you find the one with the right coverage and at an affordable price. With coverage spanning the West Valley such as Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise, the agents at Phoenix Health Insurance will find you the exact policy you need.
Our Health Insurance Blog
Understanding New Group Changes To Creditable Coverage In 2025
Understanding New Group Changes To Creditable Coverage In 2025 As we approach 2025, there are important changes on the horizon for those who receive healthcare coverage through employer-sponsored group plans. One key [...]
Why Indexed Universal Life Insurance Is a Powerful Retirement Planning Tool
Why Indexed Universal Life Insurance Is a Powerful Retirement Planning Tool When planning for retirement, most people think about IRAs, 401(k)s, and annuities. However, one financial product that often flies under the [...]
Medicare Open Enrollment 2025 Is Here: What You Need To Know
Medicare Open Enrollment 2025 Is Here: What You Need To Know Medicare’s Annual Enrollment Period (AEP) for 2025 is upon us! From October 15th to December 7th, this crucial window allows Medicare [...]
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