Apache Junction Health Insurance

Local Health Insurance Brokers Near Apache Junction

The complexities and wide range of health insurance policies available can make choosing a health plan or life insurance plans overwhelming. From premiums to coverage gaps, to pre existing conditions and more, our Apache Junction health insurance brokers at Phoenix Health and Life Insurance can help!

Tailored Life Insurance Plans Near Apache Junction

Though life insurance is not typically a first thought, it is an important investment against risk, especially as your family grows. Our Apache Junction life insurance agents can break down a variety of plans and benefits, so you can find the best option for your needs and make the best possible decision regarding your future.

Apache Junction Medicare Policies

While Medicare provides basic coverage to many people across the nation, it requires a secondary insurance plan to cover the gaps for true functionality. Let our agents at Phoenix Health and Life Insurance ensure you have proper coverage for you and your family by helping you explore a wide range of Medicare policies that are designed to give you the optimal coverage.


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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    Apache Junction Insurance Products & Services

    We specialize in the following
    Short Term Healthcare Plans Near Apache Junction

    Short-Term Health Insurance Plans

    Apache Junction Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Apache Junction

    Medicare Advantage Plans

    Apache Junction Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Apache Junction Medical Supplement Plans

    Medical Supplement Plans

    Car Accident Insurance Plans Near Apache Junction

    Apache Junction Accident Plans

    Annuities in Coolidge

    Annuity Insurance

    Dental Insurance Plans Near Apache Junction

    Dental Insurance Plans

    Apache Junction Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care In Apache Junction

    Long Term Care

    Critical Injury Health Insurance Coverage Near Apache Junction

    Critical Illness Plans

    As a five-star insurance agency, Phoenix Health and Life Insurance specializes in offering a wide variety of Apache Junction health and life insurance plans to residents throughout Arizona. Give us a call to learn more about the options available and for professional guidance.

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

    Meet The Agents Of Phoenix Health Insurance Near Apache Junction

    Lynn Marble Insurance Agent

    Lynn Marble

    Master General Agent and specializes in Medicare, Individual Family Plans.

    Interview: https://gosolo.subkit.com/lynn-marble/

    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

    “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 West Valley Health Insurance

    West Valley Health Insurance

    When you need help finding affordable Apache Junction group health insurance, look no further than Phoenix Health and Life Insurance. Our trusted West Valley insurance agents will help you find a policy that best covers the needs of families, groups, and individuals!.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    Searching for comprehensive medical coverage in Tempe can be frustrating and confusing. Whether you already have Medicare and need gap coverage, or you are starting from scratch, let our agents make the search process smooth and effective.

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    As the best insurance agents in the East Valley, Phoenix Health and Life Insurance carries valuable experience with a variety of plans and policies. Let us help you find a policy that suits your medical needs, your budget, and your lifestyle.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    When looking for health coverage at an affordable rate, Phoenix Health and Life Insurance is an exceptional resource. Our Scottsdale health insurance brokers offer a five star experience to help make the process as stress free and smooth as possible!

    Our Health Insurance Blog

    Office Tour

    Phoenix Health And Life Insurance Front Office Photo Near Apache Junction
    PHX Health Insurance Outside Office Photo Near Apache Junction
    PHX Health Insurance Inside Office Front Desk Photo Near Apache Junction
    Phoenix Health And Life Insurance Logo In Office Near Apache Junction
    Phoenix Health Insurance Conference Room Near Apache Junction

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    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 Apache Junction

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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