Arizona Department Of Insurance

The mission of the Arizona Department of Insurance is to faithfully execute the state insurance laws in a manner that protects insurance consumers and encourages economic development.  Click to be directed to AZDOI.

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance.
© IQ Financial Group, llc.

Why Am I Getting A Rate Increase?

The fact is rates on health insurance policies increase. Even if you have not had any claims the rates on your individual/family insurance policy can increase. Insurance carriers increase rates based on the claims experience of the entire block of policies underwritten at the time your coverage began.

If the block of policies you are a part of has had above average claims over the previous 12 months you will receive an above average rate increase. If the block of policies you are a part of has had average to below average claims over the previous 12 months your increase will be lower than average to no increase at all.

At IQ HSA we assist our clients with the appropriate way of handling the increases they receive and managing their plan from year to year.

Get quotes for individual/family health insurance in Arizona here. Contact us today at 602-510-7507 to find out how an HSA can benefit you.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance.
© IQ Financial Group, llc.

Healthcare Blue Book

The Healthcare Blue Book offers a number of free resources to help you learn how to be an informed consumer, and enable you to make good decisions for your health and pocketbook. You may choose to learn more about how to understand and document your medical needs, how to use the Healthcare Blue Book to find a fair price, how to ask your healthcare provider about getting the best possible price or how to understand and use your insurance benefits.

IQ Financial Group, llc. is a licensed insurance agency in the state of Arizona.  We offer a complete selection of health insurance, term life insurance, disability insurance, long term care insurance and supplement plans to individuals, families, self-employed and small businesses throughout Arizona.  We offer the best in Arizona Health Insurance. © IQ Financial Group, llc.

We Work With Top-Rated Insurers

At IQHSA we only work with top-rated insurers, you will not find sub-standard companies on our quote list.

Here’s why:

·         Financial strength – these days it is more important than ever before to make sure your insurance company/financial institution is financially stable.

·         Smaller companies can either go out of business or decide to no longer operate in a certain state (Lifewise in 2009 decided to no longer operate in AZ).  This can leave policyholders suddenly without coverage or forced to make a change they weren’t prepared for.

·         Smaller companies have a tendency to have wider rate fluctuations.  “Buying business” is a tactic smaller companies use to attract new policyholders only to raise rates substantially at renewal.

Insurance Carriers we work with:

Aetna
Assurant
Blue Cross Blue Shield of Arizona
Cigna
Golden Rule
Healthnet of Arizona
Humana
United Healthcare