Health & Life Insurance, Right Here in Phoenix
This is our home. From our North Phoenix office on Cave Creek Rd, licensed local agents help Phoenix families, employers, and Medicare clients compare 80+ Arizona carriers — and cross-check your doctors against the plan before you ever enroll.
Local blueprint request
Your Phoenix coverage plan
Tell us what you need — a local Valley agent builds the rest, free and pressure-free.
Compare 80+ A-rated carriers, including
80+
Carriers cross-shopped
18
Local Valley agents
$0
Hidden broker markup
2008
Family-owned since
Provider network validator
Will Your Phoenix Doctors Be Covered?
It's the #1 question we hear. Select the health systems your family uses — we'll confirm coverage across every carrier before you enroll.
We verify before you enroll
Networks change every year. Before you sign anything, our local agents cross-check all 80+ carriers to confirm your providers are in-network — so there are no surprises.
We'll confirm coverage for
The local guarantee
Tired of the Phoenix Zip-Code Spam?
Search for insurance online and the robocalls start instantly. There's a better way.
The National Internet Trap
- Endless robocalls after one online quote
- Aggressive, high-pressure sales tactics
- Out-of-state reps who don't know Arizona law
- Your info sold to a dozen other agencies
The Phoenix Health Solution
- One dedicated local agent, start to finish
- Free cross-shopping across 80+ carriers
- A zero-pressure, take-your-time philosophy
- A permanent advocate right here in the Valley
Built for Phoenix
Coverage Tailored to Your Situation
Phoenix Families
Bundled medical, dental, and pediatric plans that protect the household budget and keep the doctors and Phoenix Children's specialists you already trust.
Seniors & Pre-65 Retirees
Stress-free Medicare navigation, Advantage-vs-Supplement comparisons, and retirement-timeline alignment — with a face you can sit down with at the office.
Phoenix Employers & Small Businesses
Flexible level-funded or fully-insured group plans that help you compete for talent across the Valley's largest job market.
Self-Employed & 1099 Professionals
ACA Marketplace tracking and premium tax-credit optimization, so your own coverage never costs more than it should.
Smarter group coverage
Level-Funded & Return-of-Premium Health Insurance
For healthy Phoenix-area groups, a level-funded plan blends the predictable monthly cost of a traditional plan with the upside of self-funding — and if claims run low, the surplus can come back to you.
Predictable monthly cost
You pay one fixed monthly amount — budgeting stays simple, just like a fully-insured plan.
Money back in good years
If your group's claims come in low, you may receive a year-end refund of the unused surplus.
Built-in stop-loss protection
Stop-loss coverage caps your exposure, so a bad claims year won't blow up your budget.
Real claims transparency
You get to see how your plan is actually performing and make informed renewal decisions.
Flexible plan design
Level-funded plans are often exempt from some ACA fees and mandates, giving you more design flexibility.
Free expert setup
We compare level-funded options across 80+ carriers and handle enrollment — at no cost to you.
How it works
Four Simple Steps to the Right Plan
Step 1
Map your providers
We start with the doctors and hospitals you want to keep across Phoenix.
Step 2
Run an 80+ carrier audit
We compare the whole market for Phoenix, not one company's lineup.
Step 3
Compare side by side
Clear, customized options in plain English — you decide, never pressured.
Step 4
Seamless enrollment
We submit your application cleanly and stay your point of contact all year.
Your local team
Your Phoenix-Area Specialists
Licensed Valley agents who serve Phoenix & the North Valley every day.
Lynn Marble
Agency Owner — Master General Agent
MedicareIndividual & Family
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Frank Stevens
General Manager & Financial Services Director
Life & RetirementMedicare
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Stacy Petro
Operations Manager
MedicareIndividual & Family
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Stacie Howard
Director, Individual & Family Plans
Individual & FamilyMedicare
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Chris Gabbard
Group, Individual & Medicare Specialist
Group BenefitsIndividual & Family
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Rated 5.0 across 609 Google reviews
From neighbors across Phoenix & the North Valley.
“Wow, AMAZING customer service from Brent Clouse. He called me from a list he had for people needing health insurance through HealthCare.gov. We discussed the various options and what would be best for me. I asked him to email me the plans we discussed and he did - No pressure from Brent to purchase right then. He asked me to review and call at my convenience. Brent helped me with this process in a friendly, courteous and professional manner . . . so rare these days. What a joy to work with Brent and Phoenix Health Insurance. I'll definitely be using them in the future.”
“We had questions regarding Original Medicare and Supplemental Plans versus Medicare Advantage Plans. Lynn Marble confirmed we were in the plans best suited for our location and provided a tool for tweaking our Prescription supplement. His knowledge gave us great peace of mind.”
“I was overwhelmed by the constant barrage of ads, I didn't know where to start but Stacie put my mind at ease. She is so knowledgeable about all the plans and presented my best options. Done in 30 minutes.”
“I had a wonderful experience with Lucy. Medicare is difficult to understand. Lucy was very thorough, professional and friendly. She made the process of enrolling and choosing the best supplemental program for me easy. I can't imagine having to make sense of all of this without expert guidance. Call Lucy to help you if you are signing up for Medicare for the first time, or for help at any time. She's best!”
Questions?
Phoenix Insurance FAQ
Do you have an actual office in Phoenix I can visit?
Yes — our headquarters is right here in Phoenix at 20823 N Cave Creek Rd, Building B, Suite 101, 85024. You can sit down in person with a licensed local agent, or we can help by phone or secure video if that's easier. No call centers, ever — the same person helps you year after year.
Which health plans cover Banner, St. Joseph's, or Phoenix Children's?
It depends on the specific plan — many Arizona carriers include the big Phoenix systems, but networks vary by plan and change every year. That's why we check first: tell us which hospitals and doctors you want to keep and we'll identify the carriers and plans that actually include them before you enroll.
How do premium subsidies work for Phoenix households?
If you buy your own coverage on the ACA Marketplace, you may qualify for premium tax credits based on your household income — and they can meaningfully lower your monthly premium. We calculate exactly what you qualify for and structure your plan to make the most of it, at no charge.
Can you set up group benefits for a Phoenix small business?
Absolutely. In Arizona you can typically start a small-group plan with as few as two enrolled employees. We compare fully-insured and level-funded options across 80+ carriers, design a contribution strategy that fits your budget, and handle enrollment for your Phoenix team.
Does it cost anything to work with a local Phoenix agent?
No. Our guidance is completely free — we're paid by the insurance carriers, never by you, and there's no broker markup on your premium. You get a dedicated local expert, based right here in Phoenix, at no extra cost.
Ready to find the right plan?
Free local guidance from licensed Arizona agents — it costs you nothing extra.