Real Estate Agents: Upgrade Your Health Insurance Today
Upgrade your health insurance today! Learn how real estate agents can enhance their coverage, protect their assets, and secure peace of mind for the future.
Frustrated with high family insurance costs despite having employer coverage?
Get affordable health insurance starting at $160 with our young individual plans.
Upgrade your health insurance today! Learn how real estate agents can enhance their coverage, protect their assets, and secure peace of mind for the future.
Gain insights into essential 2025 health insurance trends impacting small businesses. Stay ahead with strategies to adapt and thrive in the evolving landscape.
Higby is an independent brokerage, which means we are paid by the carrier at the same plan price you would pay going direct. Advice costs you nothing, and we are not tied to one company’s product line.
Off-exchange plans for households above the subsidy threshold, where broader networks often beat a marketplace plan on value rather than on premium.
On-exchange coverage with the subsidy calculated on the income you project for the year. We help you project it honestly rather than optimistically.
We work the whole Phoenix metro, including Tempe, Scottsdale, Mesa, Chandler and Glendale, not just central Phoenix.
Group coverage for Arizona employers, including whether a group plan or a stipend toward individual plans is genuinely cheaper for your team.
If a spouse’s employer plan beats anything we can write, we say so. That costs us the sale and it is the whole reason clients come back.
Open enrollment is the default, but losing coverage, moving or a change in household size opens a special enrollment period we can use.
We are a small independent brokerage, so you deal with the same person from the first call through renewal rather than a call centre.
People without employer coverage, or with employer coverage that prices the family out. The largest share of what we do.
Variable income, no benefits, and subsidy eligibility that depends on a projection. We handle that projection with you.
Almost universally independent contractors, so brokerage benefits do not exist. A specialty of ours with its own page.
Often part time or split across practices, which usually means benefits-ineligible at every one of them.
Arizona businesses weighing a group plan against reimbursing employees for individual coverage.
Coming off a parent’s plan with a limited special enrollment window and no prior experience buying coverage.
Nothing about this needs to be complicated. Here is exactly what happens when you call, so there are no surprises about what we will ask for or how long it takes.
Household size, ages, zip code, and a rough projection of this year’s income. That is enough to narrow the whole market to a handful of realistic plans.
Bring a list. Checking them against each plan’s network before you enrol is the step that prevents almost every regret we hear about.
You see the trade-offs between premium, deductible and network side by side rather than a single recommendation presented as the only option.
If your current plan is already the right one, we will say so. That happens often enough that it is worth stating up front.
We handle the application and the carrier follow-up, and confirm the policy is actually active rather than assuming it went through.
You call us, not a carrier phone tree, when a claim is denied or a bill looks wrong. That is most of the reason to use a broker at all.
As health insurance brokers in Phoenix, AZ we place four broad types of coverage. Which one fits depends on your household, your income and whether an employer is involved.
For people without employer coverage. On-exchange with a subsidy, or off-exchange where income puts you above the threshold.
Often cheaper than adding a family to an employer plan, especially since the affordability rule changed.
Group plans for Arizona employers, or reimbursement arrangements that fund individual coverage tax-free.
Traditional employer coverage, generally available from two employees, with participation requirements we check up front.
We price them against each other rather than recommending the one we happen to write most often.
Nothing. Carrier commission is in the plan price whether or not you use a broker.
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