New River Health Insurance

Best Rated Health Insurance Near New River

Health insurance can be confusing and stressful. There is a lot for people to worry about when it comes to health insurance, including Obamacare rules, coverage gaps, and more. Our health insurance agents near New River can assist clients in selecting a policy that meets their needs.

Professional Life Insurance Agents Near New River

Not everyone thinks about life insurance when they purchase a policy to reduce their risk. However, as families grow and the number of people relying on us grows, having a life insurance plan in place is critical. Your life insurance agent can explain whole life, term, and other choices.

Trusted Medicare Policies Near New River

Medicare is a major improvement on the current system. It’s not perfect, but it does provide some insurance and coverage. Fortunately, there are health insurance options that can be used with Medicare to fill in the gaps and areas where it falls short. Discuss your choices with one of our brokers near New River.


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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    New River Level Funded /
    Return Of Premium Health Insurance

    New River Health Insurance With UnitedHealthCare
    New River Health Insurance With Humana
    New River Health Insurance With aetna
    New River Health Insurance With Cigna
    New River Health Insurance With Bluecross Blueshield


    New River’s Preferred Insurance Products & Services

    We specialize in the following
    New River Individual and Family Health Insurance Plans

    Individual & Family Insurance Plans

    Medicare Advantage Plans Near New River

    Medicare Advantage Plans

    New River Group Health Insurance Plans

    Group Health Insurance Plans

    New River Medical Supplement Plans

    Medicare Supplement Plans

    Short Term Healthcare Plans Near New River

    Short-Term Health Insurance Plans

    Car Accident Insurance Plans Near New River

    Accident Plans

    New River Life Insurance Plans

    Life Insurance Plans

    Critical Injury Health Insurance Coverage Near New River

    Critical Illness Plans

    Dental Insurance Plans Near New River

    Dental Insurance Plans

    Long Term Health Insurance Care In New River

    Long Term Care

    New River Annuities Insurance Brokers


    We provide a free examination for all items and services. We will be the first to inform you if your coverage is superior to what we can offer.

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

    Meet The Agents Of Phoenix Health Insurance Near New River

    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 East Valley Health Insurance

    East Valley Health Insurance

    There are numerous steps to follow in order to acquire the best health insurance in The East Valley. It’s critical to ensure that you have the appropriate health coverage and that everything is taken care of. Phoenix Health Insurance brokers can assist you in finding the best plan for you.

    PHX Health Insurance Also Provides Scottsdale Health Insurance

    Scottsdale Health Insurance

    If you don’t have the appropriate assistance and aid, getting comprehensive coverage in Scottsdale might be difficult. Make sure you get all of the support you need by contacting Phoenix Health Insurance. Our agents are highly skilled at assisting you in selecting a policy that meets your demands while being cost-effective.

    PHX Health Insurance Also Provides West Valley Health Insurance

    West Valley Health Insurance

    Phoenix Health Insurance can assist you in choosing the best health insurance policy for you, with the appropriate coverage and at a reasonable price. Phoenix Health Insurance will find you the precise policy you require, with coverage extending throughout the West Valley such as Goodyear, Buckeye, Glendale, Peoria, Avondale, and Surprise.

    PHX Health Insurance Also Provides Tempe Health Insurance

    Tempe Health Insurance

    If you don’t have the right help and assistance, getting the appropriate coverage in Tempe might be difficult. Make sure you get all of the support you require and visit Phoenix Health Insurance. Our agents are well-trained to assist you in selecting a policy that meets your needs while also being affordable and feasible for your future.

    Our Health Insurance Blog

    Office Tour

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

    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 New River

      20823 N CAVE CREEK RD,
      PHOENIX, AZ 85024


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