Cave Creek Health Insurance

Professional Health Insurance Brokers Near Cave Creek

While everyone knows that health insurance is a vital part of life, wading through the complexities and fine print of the various policies available can quickly become discouraging and confusing. Let our licensed Cave Creek health insurance agents at Phoenix Health & Life Insurance offer expert guidance!

Leading Life Insurance Plans Near Cave Creek

Life insurance is not typically at the forefront of the priority list, but plays a critical part in ensuring the financial security of your family following your death. Our experienced Cave Creek life insurance agents can break down the information so it is easy to understand.

Best Rated Cave Creek Medicare Policies

Medicare is often misunderstood, but is an incredible opportunity for many people nationwide to receive health coverage. However, it is not a comprehensive Cave Creek health insurance plan and does require a secondary plan to cover the gaps for full functionality. Let our agents at Phoenix Health Insurance help!


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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    Cave Creek Insurance Products & Services

    We specialize in the following

    Short-Term Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans

    Individual And Family Insurance Plans

    Medical Supplement Plans

    Cave Creek Accident Plans

    Annuity Insurance

    Dental Insurance Plans

    Life Insurance Plans

    Long Term Care

    Critical Illness Plans

    Our top-rated Cave Creek insurance company is well-versed in a wide variety of insurance policies. When you are ready to seek health insurance coverage, life insurance, Medicare, dental insurance, accidental insurance, or another type of policy, our professional agents are ready to offer guidance and education.

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

    Meet The Agents Of Phoenix Health Insurance Near Cave Creek

    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

    Finding proper health coverage for yourself and your loved ones in the West Valley can be a frustrating journey. Whether you are facing gaps in your current plan, or want to pursue a different type of coverage, Phoenix Health & Life Insurance is ready to assist.

    PHX Health Insurance Also Provides Health Insurance In Tempe

    Tempe Health Insurance

    With the wide range of health insurance policies available in Tempe, it can quickly become overwhelming to find the best coverage that fits both your needs and your budget. Let our licensed agents at Phoenix Health Insurance guide you through the process.

    PHX Health Insurance Also Provides Health Insurance In The East Valley

    East Valley Health Insurance

    As a top provider of health insurance and life insurance in the East Valley, Phoenix Health & Life Insurance carries many years of experience in the insurance world. We provide honest information and thorough education so you can make the best decision for your family.

    PHX Health Insurance Also Provides Health Insurance In Scottsdale

    Scottsdale Health Insurance

    When you need professional help finding affordable, comprehensive health coverage in Scottsdale, Phoenix Health & Life Insurance is an excellent resource. We specialize in knowing the ins and outs of every plan available, and helping our clients find the best fit for their needs.

    Our Health Insurance Blog

    Office Tour

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

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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 Cave Creek

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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