Phoenix Health Insurance


Obtaining health insurance can be very confusing and stressful. From Obamacare requirements to gaps in coverage, there is a lot for patients to be concerned about. Fortunately, the health insurance agents at Phoenix Health Insurance can assist in finding a policy which works for you and your family.


Life Insurance is not always the first thing many people think of when they insure against risk. But, as families grow and the number of people depending upon us increases, having a life insurance policy in place is vital. Whole Life, Term and other options can be explained by your life insurance agent.


Medicare is an imperfect programs, providing some insurance and coverage. Fortunately, there are health insurance plans designed to work with Medicare, covering the gaps and the areas where the Medicare program falls short. Call your broker to discuss options.


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

Phoenix Health Insurance Contact Info



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    • An easy way for you to pay your company’s medical plan
    • Lower insurance costs
    • Monthly premiums always the same, easier budget planning
    • If claims are less than the funded amount, you get rebate or rate credit back
    • If claims go over funded amount, you are protected, the insurance company covers all claims over the amount of premiums paid
    United Health Care
    Humana logo
    BlueCross BlueShield


    Insurance Products & Services

    We specialize in the following

    Scottsdale Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Scottsdale Group Health Insurance Plans

    Group Health Insurance Plans

    Scottsdale AZ Medical Supplement Plans

    Medical Supplement

    Medicare Advantage Plans Scottsdale AZ

    Medicare Advantage Plans

    Short Term Healthcare Plans Scottsdale AZ

    Short-Term Health Insurance Plans

    Dental Insurance Plans Scottsdale AZ

    Dental Insurance Plans

    Car Accident Insurance Plans Scottsdale

    Accident Plans

    Critical Injury Health Insurance Coverage Scottsdale AZ

    Critical Illness Plans

    Life Insurance Plans Scottsdale Arizona

    Life Insurance Plans

    Long Term Health Insurance Options In Scottsdale AZ

    Long Term Care

    Annuities Scottsdale Insurance Brokers


    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!”

    Meet The Agents Of Phoenix Health Insurance

    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

    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.

    Karen Szilagyi Insurance Agent

    Karen Szilagyi

    A licensed Health and Life Agent. She specializes in Medicare, Individual, Family health plans, Life Insurance and group options.

    Karen Szilagyi Insurance Agent

    Luis Whiteman

    A Licensed Health and Life Agent. He specializes in Medicare, Individual, Family Health plans, life Insurance and group options. Habla Español.

    Our Client Reviews

    “Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”



    “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.”



    “Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”



    Our Service Areas

    Scottsdale Health Insurance Service Area

    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.

    Service Areas Tempe Health Insurance

    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 service areas

    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.

    Service Areas West Valley 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

    Office Tour

    Phoenix Health and Life Insurance Entrance
    Phoenix Health and Life Insurance Office outdoor
    Phoenix Health and Life Insurance Office
    Phoenix Health And Life Insurance Wall
    Phoenix Health Insurance table


    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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      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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