Life & Health Insurance/Expert Profile

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All questions pertaining to health insurance, whether group, individual/family, student, child-only, COBRA, HIPAA, Portability, dental. No expert knowledge in areas such as life insurance, disability, workman's compensation, auto, etc.

Experience in the area

34 years as owner of health insurance agency, primarily dealing with Blue Cross Blue Shield of Arizona.


College, Business Administration.

What do you still hope to achieve/learn in this field?

The hope is to grow my online presence with the website

Something controversial or provocative about this subject

The PPACA, as written, does nothing to control costs of care. Millions of Americans will lose coverage through their employer, and many self-employed will be forced to drop coverage due to large premium increases.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Tanya01/04/16101010Thank you so much! Your help is .....
lee03/06/15101010Thanks for the helpful advice and info .....
YUKA11/19/14101010Hello, Mike, Thank you so much for .....

Recent Answers from Michael Higgins

2016-05-02 Ambulance service under health insurance:

Art:    As mentioned, I'm on the road, and apologize for the delayed response.   On Monday I'll call BCBSFL agent support and get an answer. It's an interesting question, and I am interested in how they

2016-05-01 Ambulance service under health insurance:

Art:    I'm on the first day of a five day business trip, so it may be a day or two before my next reply.    That said, the answer to your question depends more upon whether we're talking about an Affordable

2015-12-30 Health insurance:

Hi, Tanya:    As mentioned, because you qualify for a lower premium and deductible, the Affordable Care Act (ACA,) mandates that you must choose a Silver level plan to enjoy the lower deductible/co-pay

2015-12-29 Health insurance:

Hello, Tanya:    Firstly, I want to make clear that I am not licensed in Arkansas. That said, due to the ACA, most health plans are very similar no matter the state.  I have visited the Arkansas BCBS website


Hello, Robert:    If you believe that you would NOT qualify for premium assistance with an individual plan through the federal Marketplace,, I highly recommend that you go with the COBRA


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