Anyone who is self-employed should contact Ethan! My husband had insurance through the "MarketPlace"... at $480 a month and a deductible of $6500, it was very discouraging... A friend gave me Ethan's contact information and he was able to cut our premiums IMMENSELY and our deductible was half of what we had previously. And best of all... you get to talk to a REAL person when you have questions! Ethan was awesome! I'd strongly recommend
Ethan was very knowledgeable and helpful. He helped me understand insurance and designed a plan that was tailored to my needs. I searched around quite a bit and this was by far the most cost effective solution for me. Highly recommend!
Ethan has been wonderful to work with. As a self-employed business owner I have come to realize how important it is to have a network of people to support you and I am happy to have Ethan in my corner. He answered all my questions and was very responsive. Thanks Ethan!
Got a question? We’re here to help.
Health insurance provides financial protection for medical expenses. With traditional health
insurance, the insured person pays a monthly fee in exchange for healthcare coverage
according to the plan terms.
Health insurance matters because without it, a sick or injured person will have to pay out of
pocket for medical coverage. Medical care can cost up to hundreds of thousands of dollars
without health insurance. With health insurance, someone needing medical care can get the
care they need and potentially get coverage for all or some of the costs, depending on the
plan terms.
At AZ Health Insurance Brokers, we consult with our clients to find out who needs coverage
(individual, spouse, children, etc.) and what kind of coverage works for the individual or
family. We then present a variety of options from our partner insurers to find the most cost-
effective plan that provides the exact coverage needed.
In addition to individual health insurance and family health insurance plans, we help
businesses select group insurance plans for their employees.
To understand your best health insurance plan choice, it’s best to talk with a health
insurance professional who can help you compare plans and options. Consider the
frequency of medical care you require, if you have any current medical issues, if you have
upcoming procedures or surgeries, and/or if you anticipate any future healthcare needs may
arise, like pregnancy.
If you’re relatively healthy and you’re looking for preventive care, your ideal plan will be
different compared to someone with a preexisting condition who requires more frequent
medical care and prescriptions. That’s why talking with a health insurance professional can
be helpful, so you understand all relevant options.
In health insurance terms, HSA stands for health savings account. Business owners may offer
their employees an HSA, which workers can contribute to tax-free to cover future
healthcare costs. HSA balances roll over every year. HSA plans must be paired with high-
deductible health plans, which results in members paying lower monthly premiums toward
healthcare costs.
An HRA in health insurance terms refers to a health reimbursement arrangement. With an
HRA, the employer provides tax-free healthcare reimbursement to employees. HRA types
include a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and an
Individual Coverage Health Reimbursement Arrangement (ICHRA).
FSA stands for flexible spending account. Employers may offer employees an FSA, where
workers can put money into the account, pre-tax, to use toward healthcare expenses, as
well as dependent care expenses.
Healthcare coverage may vary depending on the plan terms, but typically, health insurance
covers primary care doctor visits, specialty care doctor visits and emergency health services,
such as hospital stays.
It may also provide coverage for various surgeries and procedures, mental health and
substance use disorder services, pediatric services, pregnancy and newborn care,
prescription drugs, laboratory services and rehabilitative services and devices.
HMO stands for health maintenance organization. HMO plans typically require that the
insured uses medical providers who are in-network with the plan. Primary care physicians
provide referrals for specialists.
PPO stands for preferred provider organization. PPO plans typically cover out-of-network
care, so the insured can choose their own providers and specialists.
EPO stands for exclusive provider organization. EPO plans only cover in-network care, but
the insured can typically see any specialist in the plan’s network, without the need for a
referral from a primary care doctor.
POS stands for point of service. POS plans typically require the insured to select a primary
care physician and get referrals for specialists. Out-of-network services are covered with
referrals but may result in higher out-of-pocket costs.
The Affordable Care Act (ACA) offers a federal health insurance marketplace to American
citizens, which includes providing subsidies to qualifying low-income households. ACA plans
are an alternative to private healthcare insurance plans and may be more expensive or
more affordable, depending on the insured’s income and medical care needs.
Open enrollment is an annual time period in which people can sign up for new health
insurance, cancel their current health insurance plan or make adjustments to their current
health insurance plan. For employees who get health insurance through work, the employer
sets the open enrollment period. Otherwise, the open enrollment period is determined by
the insurer or marketplace.
Yes, you may be able to purchase health insurance outside of the open enrollment period.
Certain qualifying events, such as job loss or marriage, may trigger a special enrollment
period. Talk with the AZ Health Insurance Brokers for options.
A health insurance deductible is how much the insured pays out of pocket for covered
healthcare services before an insurance plan starts to pay for healthcare costs. A high
deductible typically results in lower monthly premium costs. A low deductible typically
results in higher monthly premium costs.
Group health insurance is an insurance plan offered through a business, also known as
insurance you get through work, or business health insurance. The business owner
purchases an employer-sponsored healthcare plan, which provides healthcare coverage for
employees and their dependents.
With individual health insurance, the individual chooses their own plan and purchases it
through an insurance broker, through the insurance provider or through an insurance
marketplace.
Since group health insurance is offered through an employer, an individual’s eligibility will
depend on if their employer offers health insurance coverage or not.
To offer group health insurance, employers must have at least one qualified full-time or full-
time equivalent employee, other than a spouse or the business owner, who is on the payroll
and whose payroll taxes are paid by the employer. The business must also be considered a
legal business entity, per state regulations.
AZ Health Insurance Brokers has experienced insurance advisors here to assist you with all of your insurance needs and questions. We will gladly help you find the answers to your insurance questions and help you find the right insurance plan for your needs. Also, AZ Health Insurance Brokers will never give out or sell your information to other companies.
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