Smart Coverage for Tempe's Families, Freelancers & Startups
Unbiased health and life insurance from 80+ Arizona carriers — for Tempe families, freelancers, and startups alike. Local independent agents who cross-check your doctors before you ever enroll.
Local blueprint request
Your Tempe 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 Tempe 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 Tempe 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 Tempe
Coverage Tailored to Your Situation
Freelancers & Self-Employed Creatives
ACA Marketplace tracking, 1099 protection strategies, and premium tax-credit optimization — so you never overpay on your own coverage.
Tempe Town Lake Startups & Small Businesses
Flexible level-funded or fully-insured group options that help you retain competitive tech talent.
Young & Growing Families
Bundled medical, dental, and pediatric plans that cover the local pediatricians you trust.
ASU Grads Aging Off a Parent's Plan
Bridge the gap safely into affordable, first-time independent health coverage.
Smarter group coverage
Level-Funded & Return-of-Premium Health Insurance
For healthy Tempe-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 Tempe.
Step 2
Run an 80+ carrier audit
We compare the whole market for Tempe, 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 office
Serving Tempe From Our Mesa Office
Prefer to meet in person? Our East Valley office is right on Broadway in Mesa — stop by or call and a licensed local agent will help you compare plans.
Your local team
Your Tempe-Area Specialists
Licensed Valley agents who serve Tempe & the East 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 Tempe & the East 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?
Tempe Insurance FAQ
Can I get private health insurance that covers doctor networks around ASU?
Yes — and we check the exact providers you use near ASU and across Tempe before you enroll. Networks vary by plan and change each year, so we compare 80+ carriers to find one that includes your doctors and nearby facilities, rather than guessing.
What are the requirements for small business group benefits in the Tempe tech corridor?
In Arizona you can typically set up a small-group plan with as few as two enrolled employees. We'll confirm eligibility for your startup, compare fully-insured and level-funded options, and handle enrollment — so you can offer benefits that compete for tech talent without the admin headache.
How do premium subsidies work for freelancers and independent contractors?
If you're self-employed and buy your own Marketplace coverage, you may qualify for premium tax credits based on your household income — which can significantly lower your monthly premium. We calculate what you qualify for and structure your plan to make the most of it, free of charge.
Do your plans cover care at Tempe St. Luke's or Banner Desert?
It depends on the specific plan and network — some do, some don't, and it can change year to year. That's why we verify first: tell us you want access to Tempe St. Luke's or Banner Desert and we'll identify which carriers and plans include them before you commit to anything.
Ready to find the right plan?
Free local guidance from licensed Arizona agents — it costs you nothing extra.