Florence Health Insurance

Convenient Health Insurance Plans

Health insurance is a necessary piece of life, but it can be overwhelming or confusing to find the right policy for your family. Phoenix Health & Life Insurance is a licensed and experienced Florence health insurance agency ready to offer expert guidance and advice as you navigate the world of insurance.

5-Star Health Insurance Agents

While life insurance is not typically a priority for many, it plays a crucial part in protecting the financial situation of your family and loved ones after your death. If you are curious about life insurance and how it can benefit you, contact our Florence life insurance agents at Phoenix Health & Life Insurance today!

Professional Counseling For Medicare Policies

Medicare is an excellent coverage option for many people of all ages nationwide. However, not everyone can qualify, and it typically requires a supplemental policy to ensure all gaps are covered. Visit our Florence Medicare agents to learn if Medicare is the right choice for you and how to apply.

Visit Our Florence 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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    Florence 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
    Casa Grande Health Insurance With United HealthCare
    Casa Grande Health Insurance With Humana
    Casa Grande Health Insurance With Aetna
    Casa Grande Health Insurance With Cigna
    Casa Grande Health Insurance With Bluecross Blueshield


    Florence’s Preferred Insurance Products & Services

    We specialize in the following
    Individual & Family Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans

    Medicare Advantage Plans

    Medicare Supplement Plans

    Medicare Supplement Plans

    Group Health Insurance Plans

    Group Health Insurance Plans

    Short-Term Health Insurance Plans

    Short-Term Health Insurance Plans

    Accident Plans

    Accident Plans

    Life Insurance Plans

    Life Insurance Plans

    Critical Illness Plans

    Critical Illness Plans

    Dental Insurance Plans

    Dental Insurance Plans

    Long Term Care

    Long Term Care



    As a five-star Florence insurance company, Phoenix Health & Life Insurance is dedicated to helping clients in all life situations find the best insurance for their needs and budget. From dental and life insurance, to accidental coverage and Medicare, we provide honest, reliable information!

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

    Meet The Agents Of Phoenix Health Insurance Near Florence

    Lynn Marble Insurance Agent

    Lynn Marble

    Master General Agent and specializes in Medicare, Individual Family Plans.

    Interview: https://gosolo.subkit.com/lynn-marble/

    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.


    Services Of Our Health Insurance Agency

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    We know that finding proper insurance coverage for your loved ones can be frustrating and difficult, but it doesn’t have to be! Our agents at Phoenix Health & Life Insurance are here to help, whether you have gaps in your current plan or want to start new.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    There are a wide range of health insurance policies available in the Scottsdale area, so if you are seeking coverage for yourself, your family, or your employees, you are in luck! Our licensed agents at Phoenix Health & Life Insurance can help you make the best decision.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Working with an experienced, knowledgeable agent at Phoenix Health & Life Insurance can make the enrollment process a stress-free experience. Our agency specializes in helping our clients understand the ins and outs of various policies and coverage in a no-pressure environment.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    If you need professional help finding affordable, comprehensive coverage in Tempe, our team at Phoenix Health & Life Insurance can help. We have a thorough understanding of each plan available, and can match you with best coverage for your needs and budget.

    Read Our Blog & Learn More About Health Insurance

    Our Health Insurance Agency’s Office

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

    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 Casa Grande

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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