Coolidge Health Insurance

Top Rated Health Insurance Policies

Finding the right health coverage in Coolidge can be overwhelming and frustrating. Whether you are considering Obamacare or Medicare, or are dealing with coverage gaps and deductibles, there is plenty to consider. At Phoenix Health Insurance, our agents are experienced and ready to help you find the best policy for your family’s needs.

Certified Health Insurance Agents

Our Coolidge health insurance agents at Phoenix Health Insurance are well-versed in the various healthcare policies on the market. We offer a wealth of reliable, honest information in a no-pressure environment so you can feel comfortable asking questions without feeling pushed to make a decision you are not ready to make.

Professional Counseling For Medicare Plans

While Medicare provides excellent coverage for many individuals, it can leave quite a few gaps in coverage. If you are seeking a supplemental health plan, there are many policies designed to work alongside Medicare to ensure all the gaps are covered. Contact our brokers at Phoenix Health Insurance to learn more.

Visit Our Coolidge Health Insurance Agency

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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    Coolidge Level Funded / Return Of Premium Health Insurance

    • Employer pays monthly amount to cover estimated costs
    • Employer pays premium and plan administration costs
    • You are required to pay the claims
    • Plan is available to companies with a certain number of employees
    • Provides the opportunity to benefit from a favorable claims year
    Coolidge Health Insurance With United HealthCare
    Coolidge Health Insurance With Humana
    Coolidge Health Insurance With Aetna
    Coolidge Health Insurance With Cigna
    Coolidge Health Insurance With Bluecross Blueshield


    Coolidge’s Preferred Insurance Products & Services

    Coolidge Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near Coolidge

    Medicare Advantage Plans

    Coolidge Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Supplement Plans Near Coolidge

    Medicare Supplement Plans

    Short-Term Health Insurance Plans Near Coolidge

    Short-Term Health Insurance Plans

    Coolidge Accident Plans

    Accident Plans

    Life Insurance Plans Near Coolidge

    Life Insurance Plans

    Critical Illness Plans Near Coolidge

    Critical Illness Plans

    Dental Insurance Plans In Coolidge

    Dental Insurance Plans

    Coolidge Long Term Care

    Long Term Care

    Annuities in Coolidge


    As a five-star Coolidge health insurance agency, Phoenix Health Insurance is here to help you find the best coverage for your family’s needs and your budget. Our experienced agents are friendly, knowledgeable, and prepared to work diligently in assisting you to find the best possible insurance policy. We offer free evaluations to everyone to begin the process of finding health coverage. With Phoenix Health Insurance, you can trust that we have your best interest in mind from start to finish. Contact us today to get started!

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

    Meet The Agents Of Phoenix Health Insurance Near Coolidge

    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.

    What Our Clients Say

    “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.


    Services Of Our Health Insurance Agency Near Coolidge

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Shopping for a health insurance policy does not have to be overwhelming or exhausting! Whether you are in Mesa, Gilbert, Chandler, or somewhere else in the East Valley area, Phoenix Health Insurance offers plenty of coverage options. Consult with our brokers today to find the policy you need!

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    When finding health insurance in Scottsdale, there are many options to consider. If you need expert help finding comprehensive, affordable coverage, our agents at Phoenix Health Insurance are prepared to make sure every angle is considered as you choose a policy and get it set up.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    If you are looking for the ideal health insurance policy for your family or business, Phoenix Health Insurance can help you understand the options available to you. With coverage for Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise, our agents will find the right policy to cover your needs.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    Without the right help, navigating the world of insurance policies is strenuous and discouraging. Get the help you need from our team at Phoenix Health Insurance. Our insurance agents are expertly trained to help you find the right policy for your needs, budget, and future.

    Read Our Blog & Learn More About Health Insurance

    Our Health Insurance Agency’s Office

    Phoenix Health And Life Insurance Front Office Photo Near Coolidge
    PHX Health Insurance Outside Office Photo Near Coolidge
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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. Sincerely,
    Your Team at Phoenix Health Insurance

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      PHX Health Insurance Contact Our Office Near Coolidge

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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