Maricopa Health Insurance

Trusted Health Insurance Near Maricopa

While health insurance is a necessary part of life, it can feel like pulling teeth to find affordable, comprehensive coverage. Our licensed and experienced Maricopa health insurance agents at Phoenix Health & Life Insurance can provide expert guidance and reliable information as you browse policies to find the best coverage for your needs and wallet.

Qualified Life Insurance Agents Near Maricopa

We know that life insurance is not typically at the top of the priority list, but it is a critical aspect of ensuring the financial security of your family and loved ones after your death. To learn more about Maricopa life insurance policies and their benefits, visit Phoenix Health & Life Insurance today.

Best Rated Medicare Policies Near Maricopa

Medicare is an excellent healthcare option for many people nationwide. Unfortunately it is not comprehensive and does require a supplemental policy to ensure any gaps are covered. Let our experienced Maricopa Medicare agents at Phoenix Health & Life Insurance help you enroll for Medicare or find adequate supplementation for your needs!


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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    Maricopa 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
    Maricopa Health Insurance With United Health Care
    Maricopa Health Insurance With Humana
    Maricopa Health Insurance With Aetna
    Maricopa Health Insurance With Cigna
    Maricopa Health Insurance With Bluecross Blueshield
    HealthShare Altrua

    Why Altrua Health Sharing Ministry?

    • Unlimited Telemedicine

    • No Obamacare Tax Penalties

    • Large PPO Multiplan Nationwide Network

    • Low Monthly Contribution Amounts from $105 for Single to $520 for a Family

    • Stable Rates due to Healthy participants

    • Up to $2,000,000.00 of Lifetime limit per member

    • $35 Doctors office visits 6 per year per person

    • Maternity coverage available

    Maricopa’s Preferred Insurance Products & Services

    We specialize in the following
    Maricopa Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near Maricopa

    Medicare Advantage Plans

    Maricopa Group Health Insurance Plans

    Group Health Insurance Plans

    Short Term Healthcare Plans Near Maricopa

    Short-Term Health Insurance Plans

    Car Accident Insurance Plans Near Maricopa

    Maricopa Accident Plans

    Maricopa Life Insurance Plans

    Life Insurance Plans

    Critical Injury Health Insurance Coverage Near Maricopa

    Critical Illness Plans

    Dental Insurance Plans Near Maricopa

    Critical Illness Plans

    Long Term Health Insurance Care In Maricopa

    Long Term Care

    Maricopa Annuities Insurance Brokers


    Maricopa Medical Supplement Plans

    Dental Insurance Plans

    No matter what type of coverage you are seeking, our five-star Maricopa health insurance agency can help. From dental to life insurance, accidental coverage or Medicare, Phoenix Health & Life Insurance is committed to providing honest, thorough information to help you find the best policy for your needs.

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

    Meet The Agents Of Phoenix Health Insurance Near Maricopa

    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

    “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.


    Our Service Areas

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    No matter where you are in life, finding comprehensive, affordable health coverage in the West Valley should not be difficult. Whether you are facing coverage gaps in your current plan or want to start over fresh with a new policy, Phoenix Health & Life Insurance is here for you.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    Finding proper coverage for your loved ones in Tempe can be a frustrating journey. Visit our licensed and experienced agents at Phoenix Health & Life Insurance for expert guidance finding the right policy. We will make the experience smooth, stress-free, and productive!

    PHX Health Insurance Also Provides East Valley Health Insurance

    East Valley Health Insurance

    Whether you are seeking coverage for yourself, your family, or your employees, there are a wide range of insurance policies available in the East Valley to consider. As an experienced, five-star agency, Phoenix Health & Life Insurance is ready to help you make the best choice!

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    When you need professional help finding comprehensive, affordable healthcare coverage in Scottsdale, look no further than Phoenix Health & Life Insurance. With years of experience navigating the insurance industry, our agents know the details of every plan available and can help you make an educated decision.

    Our Health Insurance Blog

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

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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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      PHX Health Insurance Contact Our Office Near Maricopa

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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