PHX Health Insurance is Paradise Valley’s Trusted Health Insurance company. Our agents make it their mission to help each and every single person who calls gets the policy that they need. Our agents go the extra step to make sure that the caller will get something that will help them both with doctors and their bank accounts.
Read MoreAre you looking for a life insurance policy? It’s always better to start sooner than later. We have expert life insurance agents in Paradise Valley. They can help you find the best one that will have a great rate and also help your family. Give us a call today to learn more.
Read MoreAre you a Paradise Valley resident that is trying to navigate the complexities of Medicare policies? Our friendly and knowledgeable agents can be a great help in guiding you through what will work for you. They will put their years of experience to help you understand medicare policies in a simple way.
Read MorePhoenix 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
Our goal at PHX Health Insurance is to help you get the best policy. We trust what we have and offer free evaluations. But we will tell you if your original policy is best.
Master General Agent and specializes in Medicare, Individual Family Plans.
Interview: https://gosolo.subkit.com/lynn-marble/
Director
Individual Family Plans
Stacie is a Licensed Agent who is an expert in everything health insurance! Specializing in Medicare, family, and individual for over 16 years, she is your guide to a successful health insurance experience
Director
Group Benefits
Director
Financial Services
Director
Customer Service / Operations Director
Business Development Manager
Troy has over 10 years experience as an associate agent under Phoenix Health & Life Insurance and specializes in Medicare and Individual/Family insurance plans.
Group Account Coordinator and better half of Team Gabbard
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.
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 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 brings over 15 years of experience in Insurance and Financial Services. Specializing in Medicare, Life and Annuity, and Individual Family Plans.
A licensed Health and Life Agent. She specializes in Medicare, Individual, Family health plans, Life Insurance and group options.
A Licensed Health and Life Agent. He specializes in Medicare, Individual, Family Health plans, life Insurance and group options. Habla Español.
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.
As the dedicated assistant to Stacie Howard Melonie is a valued asset to our family and takes pride in her customer service role.
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.
Hunter is a Licensed Agent & admin assistant who specializes in Individual and Family Plans. She strives to provide a smooth and educational experience into the world of health insurance.
Chris has 15 years of experience in medical sales and a background in insurance. As a Licensed Health and Life Agent, he focuses on Individual, Family, and Medicare plans. Chris takes a consultative, service-driven approach to simplify the health insurance process and help clients make confident, informed decisions.
With over 30 years in the insurance industry, Darryl specializes in Group Healthcare, Medicare, Individual Health plans, and Captive Insurance development. He helps individuals and businesses secure tailored, cost-effective coverage while navigating the evolving insurance landscape. Known for his integrity and dedication, Darryl provides expert guidance to maximize benefits and reduce risks.
STEVIE KING ★★★★★
BRUCE D KLIPP ★★★★★
SCOTT RICHARDS ★★★★★
Leave Us A ReviewYou live in the East Valley and are searching for a health insurance policy? It might seem like you’re searching in a desert for water. Our agents at PHX Health Insurance can help you get out of that desert and give you the policy that you need and deserve.
You don’t have to find looking for great health insurance in Tempe to be a head-scratching ordeal. Call us at PHX Health Insurance and we will have one of our amazing agents work with you. Their aim is to help you get the best policy available in your budget.
When looking for the best insurance policy for your family at an affordable rate, Phoenix Health Insurance can help. Our knowledgeable agents have valuable experience with all types of insurance policies, and can provide appropriate coverage all over the West Valley area. Contact us today to learn more!
Are you in Scottsdale and need health insurance? Working with PHX Health Insurance can make what might seem like a nightmare into a dream. Our agents will work with you in a friendly manner and show you how to get the policy that will slide right into your budget.
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Read MoreWithin 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)?
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.
Sincerely, Your Team at Phoenix Health Insurance