Cottonwood Health Insurance

5-Star Health
Insurance Policies

Health insurance is a necessary part of life, but finding the best coverage can be extremely overwhelming and complicated. At Phoenix Health & Life Insurance, our licensed Cottonwood health insurance agents provide a wealth of knowledge and expert guidance as you navigate the variety of plans available on the market. We are thorough, honest, and knowledgeable, ready to offer reliable education as you find the most comprehensive, affordable health coverage for your family’s needs. Visit us today to get started!

Certified Health
Insurance Agents

At Phoenix Health & Life Insurance, not only will you find basic information regarding healthcare coverage, but you will also experience a welcoming environment where you can feel free to ask all your questions and learn without being pressured to make a decision you are not ready to make. Each of our health insurance agents is licensed, certified, and experienced in the world of healthcare coverage, ready to help you make a decision. We look forward to working with you!

Professional Counseling
For Medicare Plans

Medicare is an excellent healthcare solution for many people throughout the nation. Unfortunately, it is not comprehensive and requires a secondary policy to cover the gaps in coverage. If you need expert help enrolling in Medicare or finding a supplemental health policy, reach out to our Cottonwood Medicare agents at Phoenix Health & Life Insurance. We can walk you through the process and review your health needs so that we can help you find the most comprehensive supplemental coverage available.

Visit Our Health Insurance Agency Near You

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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    Cottonwood 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
    Cottonwood Health Insurance With United HealthCare
    Cottonwood Health Insurance With Humana
    Cottonwood Health Insurance With Aetna
    Cottonwood Health Insurance With Cigna
    Cottonwood Health Insurance With Bluecross Blueshield


    Cottonwood’s Leading Insurance Products & Services

    Cottonwood Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near Cottonwood

    Medicare Advantage Plans

    Cottonwood Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Supplement Plans Near Cottonwood

    Medicare Supplement Plans

    Short-Term Health Insurance Plans Near Cottonwood

    Short-Term Health Insurance Plans

    Cottonwood Accident Plans

    Accident Plans

    Life Insurance Plans Near Cottonwood

    Life Insurance Plans

    Critical Illness Plans Near Cottonwood

    Critical Illness Plans

    Dental Insurance Plans In Cottonwood

    Dental Insurance Plans

    Cottonwood Long Term Care

    Long Term Care

    Annuities in Cottonwood


    No matter the type of insurance coverage you need, our Cottonwood insurance company is committed to helping clients find the best policy at a rate that won’t break the bank. From dental and emergency coverage, to Medicare and accident coverage, our agents are well-versed in all types of health insurance policies and can help you understand what is available and how to enroll. Whether you are starting from scratch or need to switch policies, Phoenix Health & Life Insurance is here for you.

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

    Meet The Agents Of Phoenix Health Insurance Near Cottonwood

    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

    “I want to thank and recommend Frank for his assistance! I’ve always been allergic to paperwork and life insurance is definitely not my field of expertise but Phoenix Life Insurance helped me go through all the insurance products and steps I needed to choose the right plan for my family. Thank you so much for a stress-free experience!”



    “Loved working with Stacie! She helped us to make sense of our health insurance options, got us signed up with the right plan for our family. I highly reccomend talking to Stacie if you’re not sure what plans are available, or where to start looking for coverage.”

    ANDY B.


    “Hayden is awesome! My husband and I recently moved to Arizona and we needed help finding the right health insurance for us. Hayden was extremely friendly, knowledgeable, and helpful. We are so grateful we called and got help from him. He saved us so much time and stress. We cannot thank him enough!”



    Our Health Insurance Agency’s Service Areas

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Finding affordable health coverage in the East Valley should not be complicated. Whether you are seeking a policy for just yourself or your family and loved ones, Phoenix Health & Life Insurance can help you navigate the variety of policies available. Our insurance agents are equipped to help individuals start fresh with a new policy or cover gaps in their existing coverage.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    Phoenix Health & Life Insurance has been serving clients throughout Scottsdale for many years by providing professional help to find effective, comprehensive health coverage. We know the ins and outs of every policy on the market, and can help you make an informed decision about the type of policy that is best for your needs. Contact Phoenix Health & Life Insurance today to get started!

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Whether you seek health coverage for yourself, your family, or your employees, our licensed agents at Phoenix Health & Life Insurance can help make the process smooth and stress-free. Don’t try to navigate the variety of policies on your own; instead, visit our experienced agency and get expert help understanding the coverage options available in the West Valley. We are certified, competent, and knowledgeable!

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    At Phoenix Health & Life Insurance, we understand that finding proper health coverage in Tempe can be a frustrating, overwhelming process. As a knowledgeable, experienced agency, Phoenix Health & Life Insurance provides reliable, thorough information in a no-pressure environment, so you can feel comfortable asking questions and learning about policies without being pushed to make a decision you are not ready to make.

    Read Our Blog & Learn More About Health Insurance

    Our Health Insurance Agency’s Office

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

    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.

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      PHX Health Insurance Contact Our Office Near Cottonwood

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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