Carefree Health Insurance

Qualified Health Insurance Brokers Near Carefree

Health insurance for you and your family is a key aspect of a well-rounded life plan. Wading through its complexities and the various policies available can quickly become overwhelming and discouraging, so let our qualified Carefree health insurance agents Phoenix Health & Life Insurance provide guidance and professional expertise!

Leading Life Insurance Plans Near Carefree

Though life insurance is not typically a top priority, it is an important investment toward the financial security of your loved ones in the event of your death. As experienced Carefree life insurance agents, Phoenix Health & Life Insurance can break down the options to help you make an informed decision.

Best Rated Carefree Medicare Policies

Medicare is an incredible Carefree health insurance opportunity for many people to receive medical coverage. It does require a secondary insurance plan to cover the gaps for true functionality, so let our agents at Phoenix Health & Life Insurance walk you through what the options available for your family.


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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    Carefree Insurance Products & Services

    We specialize in the following
    Short Term Healthcare Plans Near Carefree

    Short-Term Health Insurance Plans

    Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Near Carefree

    Medicare Advantage Plans Near Carefree

    Carefree Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Carefree Medical Supplement Plans

    Medical Supplement Plans

    Car Accident Insurance Plans Near Carefree

    Carefree Accident Plan

    Carefree Annuities Insurance Brokers

    Annuity Insurance

    Dental Insurance Plans Near Carefree

    Dental Insurance Plans

    Carefree Life Insurance Plans

    Life Insurance Plans

    Long Term Health Insurance Care Near Carefree

    Long Term Care

    Critical Injury Health Insurance Coverage Near Carefree

    Critical Illness Plans

    As a top-rated Carefree insurance company, Phoenix Health & Life Insurance specializes in offering a wide variety of insurance policies to residents and their families. Call today to discuss your needs with an agent or receive professional guidance when choosing a life or health insurance policy.

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

    Meet The Agents Of Phoenix Health Insurance Near Carefree

    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

    “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 Health Insurance In The West Valley

    West Valley Health Insurance

    If you are struggling to find a Carefree group health insurance policy that covers all your needs, contact Phoenix Health & Life Insurance right away. We will help you understand the variety of options available that are affordable for all individuals, families, and groups.

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    At Phoenix Health & Life Insurance, we know that searching for affordable medical coverage can be frustrating and overwhelming. Whether you need to cover the gaps in a current plan, or are starting from square one, our agents will help you find a functional plan.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    As a top provider of many types of health insurance plans in the East Valley, Phoenix Health & Life Insurance is highly experienced in the insurance world. Our knowledge and expertise allow us to find you a policy that works for your medical needs and budget.

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    Phoenix Health & Life Insurance is an exceptional resource when searching for affordable, comprehensive medical coverage in Scottsdale. Visit us today for a stress-free experience as we help you understand the variety of benefits and policies available to you and your family.

    Our Health Insurance Blog

    Office Tour

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

    Phoenix Health Insurance logo in white

    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 Carefree

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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