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We can help you obtain the most appropriate insurance for your situation, wherever you live in Arizona. Call or schedule an appointment with us today to get your free quote and to get the scoop on all of your health and life insurance options.


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Health Insurance FAQs

Got a question? We’re here to help.

  • What is health insurance?

    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.

  • Why is health insurance important?

    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.

  • What types of health insurance plans do you offer?

    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.

  • How do I know which health insurance plan is right for me?

    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.

  • What is an HSA?

    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.

  • What is an HRA?

    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).

  • What is an FSA?

    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.

  • What does health insurance typically cover?

    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.

  • What is the difference between HMO, PPO, EPO and POS plans?

    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.

  • How does the Affordable Care Act (ACA) affect health insurance options?

    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.

  • What is open enrollment in health insurance?

    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.

  • Can I purchase health insurance outside of the open enrollment period?

    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.

  • What is a deductible? How does a deductible affect health insurance costs?

    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.

  • What is group health insurance? How does group health insurance differ from individual health insurance?

    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.

  • Who is eligible for group health insurance coverage?

    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.

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