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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.

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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.

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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.

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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 ★★★★★

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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.

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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 HealthcareaetnaCignaBlueCross Blueshield of Arizona Humana

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!

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623-516-8300

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.

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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)?

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Meet Our Health Insurance Agents Near Surprise

Lynn Marble Insurance Agent

LYNN MARBLE

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Stacy Petro Insurance Agent

STACY PETRO

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Chris Gabbard Insurance Agent

CHRIS GABBARD

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Stacie Howard Insurance Agent

STACIE HOWARD

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Frank Stevens Insurance Agent

FRANK STEVENS

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Troy Chevalier Insurance Agent

TROY CHEVALIER

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Angela Gabbard Insurance Agent

ANGELA GABBARD

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Joe Beehler Insurance Agent

JOE BEEHLER

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Joshua Bahr Insurance Agent

JOSHUA BAHR

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Lucy Swagerty

Lucy Swagerty

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Lucy Swagerty

Roman Stolcis

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Karen Szilagyi

Karen Szilagyi

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Sue Pearson

Sue Pearson

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Jeneen Brewer

Jeneen Brewer

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Contact Us Today!

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Phoenix Health Insurance logo

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

EmailView Map | Get Directions(623) 516-8300

Frequently Asked Questions About Health Insurance

Do I need individual health insurance in Surprise?
Surprise is split between young families and active-adult retirement communities, so coverage needs vary widely from block to block. An individual or family plan shields you from the full cost of an emergency or hospital stay when work does not provide insurance. As an independent West Valley brokerage, we compare plans across carriers for free, and your premium is the same as going direct. Reach us at (623) 516-8300.
How do subsidies work if I buy my own plan?
Many Surprise households qualify for ACA premium subsidies that lower the monthly cost, based on your income and family size. Those thresholds and amounts change every single year, so we avoid quoting a specific figure that could be out of date. We sit down with you and confirm your exact numbers for free before you commit to anything.
Are my West Valley doctors and hospitals covered?
Before you enroll, we verify your doctors and prescriptions are in-network on the plan you are considering. Banner Del Webb in nearby Sun City West, along with Abrazo and Banner facilities across the West Valley, serve the Surprise area, and we can check how a plan treats them. Networks vary by plan and change each year, so we always confirm coverage first rather than guess.
What if I have a health condition already?
ACA marketplace plans cannot turn you down or charge more because of a pre-existing condition, whether that is high blood pressure, a past surgery, or a chronic illness. Everyone on your family policy gets that same protection. We help you choose a plan that keeps your current doctors and medications in-network so your treatment continues smoothly.
What is AHCCCS, and could I qualify?
AHCCCS is Arizona's Medicaid program, and it provides low-cost or no-cost coverage to residents whose income falls under a certain level. The eligibility limits change from year to year, so we do not quote a fixed number. If it looks like you might qualify, we point you in the right direction, and if not, we find you an affordable marketplace plan instead, all for free.

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