Phoenix Health Insurance

Does your Health Insurance Company offer Long Term Rate Stability ?   

Never shop for Health Insurance Again!

Get the protection you need along with stable rates over time

I am able to offer you affordable Individual and Group Health Insurance rates while protecting you from situations that may lead to excessive rate increases, cancellation, or lack of proper coverage in an emergency situation.

You may think it's normal for your health insurance rates to increase regularly by 15% or more per year. In reality, most insurance companies offer attractive rates to get your business, but these rates will go up regularly starting six months to a year from the time you get the policy. I have seen increases of 300% or more. In fact, in January Consumer Reports did an article on a gentleman who had to drop his policy once the monthly premium went over $4200. per month and he was not able to go through underwriting with another company due to medical issues he had developed when the policy was affordable. Read Here

Dealing with frequent rate increases can be very frustrating, especially for self employed individuals who are trying to build a business while at the same time, looking for new health insurance.

I have a solution for this problem which allows you and your family to be part of a large nationwide group which offers rate stability and protection that you would not get with other carriers.

What if you are stuck with your current policy for life ?

A very important thing to consider is if you or a family member has a major accident or a major illness while on a policy with frequent and or significant rate increases.

Most people do not think about the fact that they may not be able to go through underwriting successfully after a major health event.

It is very important to have a rate stable policy when you or a family member experience one of these major events. If not, you will be vulnerable to drastic rate increases until age 65. This situation would be similar to being in the stock market with no stop loss, or being on COBRA long term. 

My name is Jeff Muscarella and I reside in Scottsdale, Arizona. I have been in the insurance industry since 2002 but most of that time I had no desire to market Health Insurance because I could not find a company that I would be willing to represent. It seemed that every Health Insurance policy I tried for my family would have frequent and drastic rate increases starting the second year, and for no apparent reason.

If you live in the Phoenix area and you are self employed or are not covered by your employers insurance, please contact me to find out more.

 Jeff Muscarella

480-488-0948