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    Top-Rated Health Insurance Plans For Surprise Residents

    Finding the right health insurance plan to cover your needs and meet your budget can be confusing. At Phoenix Health Insurance, we make it simple to enroll in a health insurance policy in Surprise. As a team of experienced agents, we help individuals, families, and businesses discover the coverage options available to them.

    Cost-Effective Health Insurance Policies

    Cost-Effective Health Insurance Policies

    Our expert Surprise health insurance agents at Phoenix Health Insurance are dedicated to making the enrollment process simple and straightforward. We are ready to address all your questions and concerns as you find a policy that works for your budget.

    Convenient Life Insurance Plans

    Convenient Life Insurance Plans

    While Surprise life insurance is not typically at the top of a priority list, it provides peace of mind and financial security for your loved ones after your death. Choose from short term or long term coverage, and consider adding a valuable savings component.

    Medicare Policies & Supplement Plans

    Medicare Policies & Supplement Plans

    Medicare provides adequate coverage for many individuals nationwide, but often leaves gaps that require supplemental coverage. Visit Phoenix Health Insurance to speak with our Surprise Medicare agents to learn more, or for help enrolling in Medicare or a secondary policy.

    Our Clients’ Reviews

    5-Star Rated Health Insurance Agency Near Surprise

    Lynn Marble took the time to sit down and explain every detail of our insurance plan. Saved our family a ton of money and bettered our coverage. I would not hesitate to recommend Lynn to everyone I know.

    Sean Bell ★★★★★

    Level Funded & Return Of Premium Insurance For Surprise Employers

    Many employers take advantage of a level-funded insurance plan, where they pay a fixed premium each month to an insurance carrier or to a Third Party Administrator (TRA). These funds are allocated to an account to cover any claims, stop-loss coverage premiums, and admin expenses. With a level-funded plan, employers are able to provide coverage for any medical concerns that arise for their employees, for the duration of their employment.

    We Work With A Wide Variety Of Health Insurance Carriers

    At Phoenix Health & Life Insurance, we are committed to helping everyone find a health insurance policy in Surprise that works for their budget and their medical needs. We are licensed to work with a wide variety of health insurance carriers and carry extensive knowledge regarding each company and their policies. Whether you need to enroll for the first time or want to change an existing policy, our insurance agents will share their expertise with you.

    United Healthcare
    BlueCross Blueshield of Arizona


    Health Insurance Plans For Individuals & Families

    Buy Insurance Policies For Your Company’s Employees

    Health Insurance Plans For Individuals And Families

    Whether you are seeking individual coverage, a policy for your family, or a few coverage options to offer your employees, there is something for everyone at Phoenix Health & Life Insurance! Our agents are knowledgeable and friendly, ready to take all the time necessary to answer your questions, address your concerns, and explain the coverage options available to you. We provide information in a way that is easy to understand and will never pressure you to make a decision you are not ready to make! Our Surprise health insurance agency is on your side from start to finish, whether you find a policy that works or not. Schedule a consult with our agents today to learn more, and find the peace of mind you and your family deserve!

    Call Now & Get Started Today

    Best-Rated Health Insurance Agency Serving Surprise Families

    Types Of Health Insurance Policies We Specialize In

    Short-Term Health Insurance Plans

    Find a temporary policy that will bridge the gap between two policies, like during the transition to a new job.

    Group Health Insurance Plans

    Find a plan to offer your employees based on their current employment or involvement status in your company.

    Medicare Advantage & Supplement

    Consider a Medicare-approved plan offered by a private company that covers both your health needs and prescription drugs.

    Individual & Family Insurance Plans

    Get comprehensive coverage for yourself or your family that will meet your budget and provide peace of mind.

    Car Accident Health Insurance Plans

    This form of auto insurance provides coverage for medical expenses and lost income after an injury from a vehicle accident.

    Long-Term Annuity Contracts

    Annuitize your contributions payments into payments that last your lifetime and ensure you do not outlive your income.

    Dental Insurance Plans

    Cover all dental care including regular teeth cleanings, oral surgery, and other procedures through a Surprise dental insurance plan.

    Life Insurance Policies

    Provide financial security for your loved ones after your death through regular contributions to a secure account.

    Long-Term Care Insurance Policies

    Discover a policy that covers in-home skilled nursing care, occupation therapy, speech tehrapy, physical therapy, rehab, and more.

    Critical Illness Insurance Plans

    Invest in a policy that covers treatment for chronic diseases including heart attack, organ transplant, stroke, renal failure, cancer, and more.

    FAQs About Health Insurance

    Investing in a health insurance policy is vital to your success. Making regular contributions to a policy that will cover all your medical concerns ensures that you and your family have the opportunity to get medical care without being worried about the financial strain. Everything including vehicle accidents, surgeries, long-term care, chronic disease management, yearly checkups, dental coverage, and more are included in the coverage offered by health insurance. A policy will greatly reduce the cost of these visits and even cover some prescription drugs needed for your recovery.
    Yes we can! Our specialty at Phoenix Health & Life Insurance is helping individuals and families find the health coverage they need, whether that is their main policy or secondary coverage. If health insurance is not offered by your employer, you can either apply for a policy through the Marketplace or visit with our agents to find a health insurance plan that works for your needs and budget. Our partnerships with a variety of insurance companies allows us the flexibility to help you find the best policy.
    Depending on your policy, yes you can get tax benefits for a health insurance policy. Typically, the premiums for short term health insurance are paid out of packet with pre-taxed dollars. This means that you can deduct the amount spent on short term health insurance as a medical expense on your taxes each year. If you have any questions about your tax-deductible payments and how to get tax benefits, contact our team at Phoenix Health Insurance!
    President Obama recently enacted the Affordable Care Act that legally prevents health insurance companies from denying you coverage based on pre-existing health conditions. Your policy may not provide coverage for treatment of your newly diagnosed condition, but they cannot deny coverage based on it. Be sure to examine the underwriting of your new policy to determine if your pre-existing condition is covered, or if you will need to enroll in a supplemental policy. Visit Phoenix Health & Life Insurance if you have any concerns!
    If you have recently discontinued a healthcare plan and have enrolled in a new one, there is typically a short waiting period between the loss of coverage and the start of your new coverage. The delay can last anywhere from a few days up to a year, depending on the policy, so it is important to be aware of what to expect. These waiting periods provide financial protection for companies who typically experience a high turnover rate. At Phoenix Health Insurance, we can help you find short-term health coverage that will provide the health security you need during that waiting period.

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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 employers’ decisions to contributrto employees choosing alternate healthcare coverage.

    What are the consequences to he 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 qualifed health plan in the marketplace or outside the marketplace)?

    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.

    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. Sincerely,
    Your Team at Phoenix Health Insurance

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    Read Our Blog & Learn More About Health Insurance

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      Phoenix Health Insurance logo

      20823 N Cave Creek Rd.
      Building B Suite 101
      Phoenix, AZ 85024