Individual Health Insurance

Individual Health Insurance

For those individuals who are either self-employed, contract workers or not employed, individual insurance options are available. Whether you contract with an insurance company privately or through the Marketplace, we have access to a large range of providers and plans and will work with you and for you to find the perfect one that is tailored to your specific needs and budget.

Pacific Reserve is Marketplace certified and can assist with finding you the best coverage to suit both your needs and your budget.

Did you miss the Open Enrollment deadline?

With the National Mandate for Personal Responsibility, every U.S. Citizen must obtain and maintain health insurance for themselves and their family.  ObamaCare’s individual mandate requires that most Americans obtain health insurance by 2014 or pay a tax penalty.  The individual mandate went into effect at the beginning of January 2014 and continues each year.  The penalty for not having coverage will be paid on your Federal Income Tax Returns for each full month you or a family member does not have health insurance or an exemption (see your CPA for exemption details) and is based on your Modified Adjusted Gross Income.

We, at Pacific Reserve Inc, represent the only carrier in Arizona who will write your individual medical insurance outside of Open Enrollment.

Have you recently lost your coverage through your employer?

If you are in a situation where you have lost coverage through an employer, we at Pacific Reserve can help you secure an individual medical or Short Term Medical plan for as little as one month or through twelve months.

Did you miss the Open Enrollment Deadline?

We, at Pacific Reserve Inc, represent the only carrier in AZ who will write your individual medical insurance outside of Open Enrollment. For more information, see our Individual Health Insurance information.

Purchasing health insurance has changed substantially over the past few years and there are constantly new regulations being enforced with regards to health insurance coverage and options.  By using our services, we help you navigate this complex industry and keep you abreast of legislative updates and implications.  Our goal is to simplify the process for you so you can spend time with your loved ones and doing the things you love to do.  We always have your best interest at heart as we work for you, not the insurance companies.

Protect your family today.  Get a free quote for individual health insurance from Pacific Reserve Inc.

Family Health Insurance

If you and your family are seeking coverage, Pacific Reserve can help you find insurance you and your family. Keep unexpected costs down by selecting a plan that takes into consideration the unique needs of each family member.

You may have questions while finding a plan.

  • Are any members expecting surgery?
  • How often do family members visit doctors?
  • Can you add a newborn to a family plan?

Pacific Reserve Inc will guide you through the process and answer any questions along the way.

International Health Insurance

Whether traveling for business or pleasure, many traditional medical plans do not cover the unique risks of international travel. Pacific Reserve has plans that can enable you to travel with peace of mind. Regardless of how long your trip is or where you plan on visiting, Pacific Reserve can custom-tailor a medical plan.

Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities.  If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed.   It will pay for a visiting or live-in caregiver, companion, housekeeper, therapist or private duty nurse up to seven days a week, 24 hours a day (up to the policy benefit maximum).  You can research more information about LTC here.

Establishing a long term care plan in advance may help make it easier for you to maintain your dignity, protect your hard-earned savings and secure a healthy financial future.  We will be happy to provide you with multiple Long Term Care insurance quotes so you can select the best coverage for the best rates – contact us today!

Short Term Health Insurance

Sometimes you only need an insurance plan for a a short time period.

Maybe you:

  • Are between jobs?
  • Waiting for other health insurance to start?
  • Are a college grads coming off their parent’s health plan?
  • Retired early and waiting for Medicare eligibility?

There are many reasons why a short-term health insurance plan could be right for you.

Get a FREE Individual Health Insurance Quote today!

Get a FREE Individual Health Insurance Quote today.
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Our Senior Business Insurance Licensed Brokers

Hours: Mon–Fri  8am-4pm

Cheryl Bell - Licensed Business Insurance Broker

Cheryl Bell

31 years experience!

Kristen Vassar - Licensed Business Insurance Broker

Kristen Vassar

24 years experience!

Ann Bruce - Licensed Business Insurance Broker

Ann Bruce

21 years experience!

We work for YOU, not the insurance company! We strive to provide you with exceptional broker service.  We are experts at sourcing cost saving solutions for our clients.

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We can save you money on your business insurance. Click the button above for our client testimonials about how they saved $$ with Pacific Reserve!

Serving all of Arizona!

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