Fountain Hills Health Insurance

Leading Health Insurance Brokers In Fountain Hills

We have the leading health insurance brokers in Fountain Hill. They have a vast amount of knowledge in the field and they can make sure that you get precisely the health insurance that you need and have it fit your budget. All it takes is one phone call to get the best plan for you.

Leading Life Insurance Plans In Fountain Hills

PHX Health Insurance has the leading life insurance plans in Fountain Hills. We also have the best agents in the business who will talk you through everything that you need to know about getting an affordable policy that will take care of your family. Contact us today to see what we can do for you.

Medicare Policies

Medicare policies can appear to be very mysterious things. Which health insurance plans work with them and which ones don’t? Our fantastic team of agents can clear up the confusion very quickly. They are highly knowledgeable about Medicare and will walk you through what you need to know. Be sure to contact us today!


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
Phoenix Health Insurance Contact Info



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    Fountain Hills Insurance Products & Services

    We specialize in the following

    Scottsdale AZ Medical Supplement Plans

    Medical Supplement

    Fountain Hills Group Health Insurance Plans

    Group Health Insurance Plans

    Medicare Advantage Plans Fountain Hills

    Medicare Advantage Plans

    Fountain Hills Individual and Family Health Insurance Plans

    Individual and Family Insurance Plans

    Critical Injury Health Insurance Coverage Fountain Hills

    Critical Illness Plans

    Dental Insurance Plans Fountain Hills

    Dental Insurance Plans

    Car Accident Insurance Plans Fountain Hills

    Accident Plans

    Short Term Healthcare Plans Fountain Hills

    Short-Term Health Insurance Plans

    Annuities Fountain Hills Insurance Brokers


    Life Insurance Plans Fountain Hills Arizona

    Life Insurance Plans

    Long Term Health Insurance Options In Fountain Hills AZ

    Long Term Care

    We at PHX Health Insurance always want to do the right thing. That includes putting our customers first and alerting them if their original plan is better than ours.

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

    Meet The Agents Of Phoenix Health Insurance Near Fountain Hills

    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

    “Mr. Marble was very informative regarding Medicare and how the plans worked and was extremely knowledgeable about health insurance in general.”



    “When I needed to find a good Medicare supplement program Lynn and his crew were recommended to me by my business insurance provider. Lynn personally took the time to prepare a number of options, then explained each one to me, and how it would work in tandem with Medicare. He has also assisted several of my friends and coworkers since then. I am proud to recommend him.”



    “Terrific insurance brokerage, it’s great to have a professional insurance agent to to help guide me, insurance can be complicated.”



    Our Service Areas

    West Valley Health Insurance

    West Valley Health Insurance

    Do you live in West Valley and find yourself worried about how to get great health insurance? Our goal at PHX Health Insurance is to make sure that you don’t have to do that. Our knowledgeable agents will ensure that you end up with the best policy.

    Tempe Health Insurance

    Tempe Health Insurance

    It can seem very frustrating to try to get good health insurance in Tempe. Put those frustrations to rest with one call to PHX Health Insurance. We have very knowledgeable agents who will go over all the plans and find the one that will suit your budget.

    East Valley Health Insurance

    East Valley Health Insurance

    East Valley residents don’t need to spend their time struggling to find great health insurance. They can just contact us at PHX Health Insurance for help in finding the best plans. We have great agents that can easily make it work for them.

    Scottsdale Health Insurance

    Scottsdale Health Insurance

    It can seem like a very trying thing to find great health insurance in Scottsdale. Our agents can make it so much easier for you. Just call us and we will get you the best health policy for your family and budget. Contact us today!

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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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      Contact our Fountain Hills office

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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