Locations
Apache Junction Insurance Products & Services
We specialize in the following
Short-Term Health Insurance Plans
Group Health Insurance Plans
Medicare Advantage Plans
Individual & Family Insurance Plans
Medical Supplement Plans
Apache Junction Accident Plans
Annuity Insurance
Dental Insurance Plans
Life Insurance Plans
Long Term Care
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!”
Proud Sponsors Of:
Meet The Agents Of Phoenix Health Insurance Near Apache Junction
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
“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.
“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
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!.
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.
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.
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
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