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480-300-5420Phoenix Health & Life Insurance is recognized as one of the Valley’s leading health insurance agencies. We have access to a wide variety of insurance options and can help you find the health insurance you’re looking for at an affordable price. Health insurance doesn’t have to be overwhelming! Our San Tan Valley health insurance agents will explain your options in a way that you can understand, so you know exactly what you’re getting and what will be covered. Let us protect your family and future with an affordable health insurance plan. Call us now to get started!
Although many people are worried about the cost of San Tan Valley health insurance, we can help you find an affordable health insurance plan that covers the services you need. Don’t risk overwhelming medical bills when you can find a cost-effective health insurance plan with our agents.
Read More About Individual & Family Health InsuranceProtect your family’s future and financial stability when you work with our San Tan Valley life insurance agents to find a policy that fits your lifestyle. We offer multiple life insurance types and are confident that one of our plans will be exactly what you’re looking for!
Read More About Life InsuranceMedicare can be confusing, but our trusted San Tan Valley health insurance agents can help. We will help you understand your available options, explore any potential gaps in your coverage, and work with you to discover supplement policies that can ensure your needs are covered.
Read More About Medicare PlansPhoenix Health & Life Insurance is proud to be a leading health insurance agency in Arizona. With access to many different plans, we specialize in helping individuals, businesses, and families find health insurance policies that provide the coverage they need at an affordable price.
Our San Tan Valley health insurance agents will listen closely to your needs and goals, then help you find the plans that will be the best fit for you. Our personalized approach to customer service is one of the top reasons why our agency consistently receives five star reviews.
Use our online dashboard to explore your options and finalize all of the details. We can even meet with you through video call in the convenience and comfort of your own home. Reach out to Phoenix Health & Life Insurance today to learn more about how we can serve you.
When you work with our San Tan Valley health insurance agency, you won’t need to waste time dealing with stacks of paperwork or tracking down employees to sign forms. Everything can be conveniently managed through our secure online portal. We’ll handle all the details!
Lynn Marble took the time to sit down and explain every detail of our insurance plan. Saved our family a ton of money and bettered our coverage. I would not hesitate to recommend Lynn to everyone I know.
Sean Bell ★★★★★
View AllFederal regulations for employer insurance options change frequently, but we can help your Arizona business maintain legal compliance while saving you money! One way that we can do this is by offering level funded insurance options. These types of plans offer many advantages to business owners and their employees with affordable and consistent monthly payments. Return of premium life insurance policies are another way that your company may be able to save money in the long run. Call one of our trusted San Tan Valley employer insurance agents today to learn more.
Become a MemberTo keep our costs competitive and to ensure access to the largest number of leading healthcare providers, clinics, hospitals, and services, Phoenix Health & Life Insurance works with nationally recognized health insurance carriers, along with other popular models, such as health sharing ministries. Whether you’re an individual, business, or family who is seeking health insurance coverage, we have the perfect health insurance plan to meet your needs.
According to federal law, businesses with over 50 employees are required to provide a health insurance plan for their employees or face fines. Although smaller companies are not required to provide a health insurance option, offering insurance plans to your employees can dramatically boost your benefits package and increase your appeal to potential employees. Let us help your business maintain legal compliance or increase your ability to retain employees by showing you how affordable it can be to offer a quality San Tan Valley health insurance plan to your employees. Reach out to us today!
When you’re facing a gap in coverage and need health insurance for a short period of time, we have you covered.
We offer tremendous savings and affordable plans for employers and others who want to take advantage of group pricing.
Let us help you understand your Medicare coverage and find the supplementation you need for peace of mind.
If you’re seeking a health insurance plan for yourself or your family, give us a call today. We can help!
Life changing accidents can happen in a moment. Make sure you have the coverage you need against disaster.
Plan for the future with affordable insurance coverage for nursing facilities, assisted living, and long term care.
Enjoy peace of mind knowing that your next dental appointments, orthodontic needs, or dental emergencies are covered!
Protect your family’s future with a life insurance policy that can replace your income or provide financial relief.
Serious illness can be devastating, but with the right insurance policy, you won’t have to worry about paying medical bills.
Serious illness can be devastating, but with the right insurance policy, you won’t have to worry about paying medical bills.
>When you have a health insurance policy that meets your needs, you can enjoy peace of mind knowing that your future is protected. If you have an accident or receive a diagnosis, you won’t have to worry about paying medical bills. Medical debt is the most common reason for declaring bankruptcy. Other reasons for having the right San Tan Valley health insurance policy include:
– Affordable way to receive early detection, prevention, and treatment of medical issues
– Help you and your family have access to quality care provider and facilities
– Receive essential health services when you need them, including therapy and counseling
– Maintain legal compliance and avoid fines
Call Phoenix Health & Life Insurance for guidance on choosing the right health insurance plan for your needs.
Although many employers are required to offer a health insurance plan, others are not. If your employer does not offer health insurance, we can help you find an affordable San Tan Valley health insurance plan that will fit your lifestyle. Helping individuals and families find the right healthcare coverage is one of our specialties! We have access to a wide variety of health insurance plans through nationwide carriers and are confident we can help you find what you’re looking for.
Health insurance premiums paid with after-tax funds are tax deductible. In addition, by carrying a health insurance plan, you can prevent fines and other consequences when you file your annual tax returns. Employers who offer health insurance policies to their employees may also enjoy certain tax benefits. Our San Tan Valley health insurance agents can provide further information in a consultation, although we always highly recommend consulting with your tax professional for advice that is specific to your situation.
Pre-existing conditions are medical conditions or diagnoses that you had before you sought coverage from a health insurance plan. Legally, health insurance companies must provide coverage for your pre-existing conditions and cannot deny you access or coverage if you have a medical condition(s) before you apply for coverage. If you have a pre-existing condition and need to find better coverage or a new insurance plan, reach out to our experienced San Tan Valley health insurance agents today. We can help!
In most cases, your insurance plan will begin coverage as soon as all of the necessary documentation has been completed and your first premium has been paid. However, the exact details will depend on the plan and what type of coverage you are seeking. Some health or life insurance plans will not provide full benefits until after you’ve been paying premiums for a specified amount of time. Your San Tan Valley health insurance agent can help you understand all of the regulations and coverage of your new insurance plan so you know exactly when your coverage begins.
Employers are subject to IRS policies and federal laws regarding health insurance coverage and options that can have a dramatic impact on your company’s taxes. When you reach out to one of our trusted agents, we can help you understand how the Affordable Care Act (ACA), IRS regulations, and other federal laws and guidelines apply to your business, as well as what options you may have and how to determine which health insurance options may be the best choice for your business. We can simplify the process and guide you in the best decision for your company. Call us today!
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
4455 E BROADWAY RD #104, Mesa, AZ 85206
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