Level Funded / Return of Premium Health Insurance
Insurance Products & Services
We specialize in the following:
Individual and Family Insurance Plans
Group Health Insurance Plans
Medical Supplement Plans
Medicare Advantage Plans
Short-Term Health Insurance Plans
Dental
Insurance Plans
Accident
Plans
Critical
Illness Plans
Life Insurance Plans
Long Term Care
Annuities
We offer a free evaluation for all products and services. If for some reason the coverage you have is better than what we can provide we will be the first to let you know.
“When you do what’s right you can’t go wrong!”
Contact Us
Lynn Marble
Master General Agent and specializes in Medicare, Individual Family Plans.
Stacie Howard
Director
Individual Family Plans
Stacie is a Licensed Agent who is an expert in everything health insurance! Specializing in Medicare, family, and individual for over 16 years, she is your guide to a successful health insurance experience
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 Stacie 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.
Hunter Howard
Hunter is a Licensed Agent & admin assistant who specializes in Individual and Family Plans. She strives to provide a smooth and educational experience into the world of health insurance.
Proud Sponsors Of:
Our Client Reviews
“Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”
“Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated”
“The rep showed personal interest in my needs and helped me make a well informed choice for personal health insurance.”
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 area that may impact your healthcare decisions is [...]
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 radar is Indexed Universal Life (IUL) insurance. While [...]
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 beneficiaries to review their current coverage, make adjustments, [...]
New IRS Rules For Employers Regarding Health Insurance
Last year, the IRS spelled out how it would treat employer contributions to employees to help them buy coverage on their own. More recently, it reiterated its position in Q&A format. The question the IRS posed to itself:
Employer Payment Plans
In answering its own question, the IRS characterized such arrangements as “employer payment plans.” These are different from health reimbursement accounts (HRA’s) and healthcare flexible spending accounts (FSA’s).
The IRS considers employer payment plans as group health plans, subject to the provisions of the Affordable Care Act (ACA), including the ban on annual limits for essential health benefits and the requirement for full coverage of preventive health services. But, even if employees bought coverage which featured those benefits, employer payment plans “cannot be integrated with individual policies to satisfy the market reforms,” according to the IRS.
The penalty for having an employer payment plan would make it prohibitively expensive. Specifically, employers could be subject to an excise tax as high as $100 per day per employee (that is, $36,500 per year per employee).
The IRS and the Department of Labor also take the position that an HRA cannot be integrated with “individual market coverage or with an employer plan which provides coverage through individual policies” without violating the ACA. However, HRA’s and healthcare FSA’s can still be used to help employees pay for “excepted” benefits, including vision, dental, accident, long-term care and automobile medical payment coverage.
Wraparound Coverage
Another form of health coverage, not subject to ACA requirements, which employers can help employees buy beginning in 2015 without being penalized is “wraparound coverage.” That’s basic health insurance to supplement a standard health plan which meets ACA requirements. This coverage cannot cost more than 15 percent of the cost of the basic health plan offered to your employees, however.
If you are still determined to get out from between your employees and their health plan coverage, you could avoid the “employer payment plan” penalties by simply giving employees a pay raise sufficient to subsidize their health benefits to the degree you want and can afford.
Keep in mind, however, you will be subject to higher payroll taxes, and since this income is taxable to employees, the amount of the raise they’ll have available to buy health coverage will be reduced by their added tax liability. Also, workers may eventually forget why they got the raise, and consider themselves employees of a company that doesn’t value its workers enough to offer health benefits.
Finally, if you are large enough to be subject to the ACA’s employer mandate, the salary increase tactic won’t allow you to avoid the penalty for not providing health coverage.
An Important letter From Your Health Insurance Broker
IMPORTANT UPDATE FROM YOUR BROKER ABOUT YOUR 2016 HEALTH INSURANCE
2016 Is shaping up to be the most challenging year we have ever seen in the Individual Health Insurance Market in Arizona. Due to massive losses sustained by every carrier in AZ there will be huge changes this year so please take a few minutes to read this update.
So what is happening with the Individual Health Insurance Market?
1. Blue Cross Blue Shield lost over $90 million and as a result will no longer offer any PPO plans for 2016 except for those people who have grandfathered plans that were written before 01/01/2014. Over 77,000 people will be getting a letter notifying them that their coverage will no longer be available. Blue Cross Blue Shield of AZ will only offer HMO plans in 2016. The average rate increases for theses HMO plans will be around 29% compared to last year’s same HMO plans. Current HMO members may want to either increase their deductibles to save money or look elsewhere because the Blue Cross Alliance and Select network plans will still be some of the most competitive in Maricopa County.
2. Health Net of Arizona lost a reported $86 million dollars and will follow the lead of Blue Cross and will drop all PPO’s except for one basic Bronze plan that we will not be selling. They will no longer be offering their benefit rich Platinum $750 deductible or Gold $1500 deductible plans. These two plans represented 90% of the plans that we at Phoenix Health Insurance sold for Health Net. Health Net’s prices also increased on average 21% for remaining HMO plans.
3. Meritus only lost $16 million and is our states only local CO-OP and was a very good option that provided predictable benefits along with some of the lowest prices. Unfortunately last week the Department of Insurance placed Meritus into Receivership, which means that unless something can be worked out in the next week or so all 58,000 Meritus customers should plan on finding a new home for 2016. This is unfortunate as some believe that this is a political move but you can view more about this here http://www.meritusaz.com/content/meritus-frequently-asked-questions-faqs.
4. Assurant was the first recorded casualty this year with losses exceeding over $120 million dollars. They announced that after 102 years in the health insurance market they would be closing its doors for individual health as of the middle of 2015. Assurant was the ONLY OPTION for MAYO CLINIC that we had here in Arizona.
So how do I find a new plan for 2016?
1.Off Exchange: Visit our new website phxhealthinsurance.com and click on the Health Insurance Quote Now button. This is a custom quote link that will allow you to compare and apply.
2.On Exchange: You have to use the www.healthcare.gov and please check the box that says you are working with a broker and enter 15856993 in the NPN Number. It is a small box in the first section of the application that you have to click on.
*OR quote our top 3 carriers for 2016 one at a time
Blue Cross Blue Shield of Arizona quote link:https://broker.azblue.com/12878
Cigna quote Link:https://cignaindividual.com/public/Quoting/Individual/EnterQuoteCriteria.aspxSFFjB61wbbN60xWzDwts6b+QLjujoVBU9Q0QNzzCDAs=
Health Net Quote Link: https://www.healthnet.com/getquote?a=108903&ga=
Due to the overwhelming nature of having 752 clients who all need to replace their plans within 37 days we simply cannot deliver the same one to one service that we have been able to provide in the past. We hope that you will use these tools to purchase your 2016 plan so that we may continue to be your agent of record and serve you throughout the years to come. I appreciate any feedback that you have and hope that you will email us with what plan you have selected so that we may follow up on it for you. Please email info@phxhealthinsurance.com. Thank you for your understanding and please email or call 623-516-8300 for more direction.
Sincerely, Lynn Marble and your team at Phoenix Health Insurance
Our Services Areas
Scottsdale Health Insurance
To obtain the proper health insurance in Scottsdale, you might think there are a lot of holes to jump through. Making sure that you have the proper health coverage and making sure that everything is taken care of is essential to successfully finding the right coverage. The agents at Phoenix Health Insurance can help find the right plan for you.
Tempe Health Insurance
Getting the right coverage in Tempe can really be a burden if you don’t have the proper help and assistance. Make sure that you have all the help you need and come to Phoenix Health Insurance. Our agents are expertly trained to help you find the right policy that fits your needs and is affordable and doable for your future. Phoenix Health Insurance can help you!
East Valley Health Insurance
Shopping around for health insurance can be tricky and exhausting. Making sure you get the right policy and being able to afford it is probably at the top of your requirements. Luckily, Phoenix Health Insurance has plenty of coverage for East Valley areas like Mesa, Gilbert, and Chandler. Get the coverage and policy you need with Phoenix Health Insurance.
West Valley Health Insurance
If you are looking for the right health insurance policy, Phoenix Health Insurance can help you find the one with the right coverage and at an affordable price. With coverage spanning the West Valley such as Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise, the agents at Phoenix Health Insurance will find you the exact policy you need.
Privacy Act Statement
https://www.healthcare.gov/individual-privacy-act-statement/
