Arizona Health Insurance Broker
I’m Andy Orlikoff, an independent health insurance broker based in Surprise, AZ. I’ve been helping families find the right coverage since 2004 — Medicare Supplements, ACA Marketplace plans, PPO alternatives, Under-65 plans with Mayo Clinic access, dental, life, and more. I’m now also licensed in North Carolina and South Carolina, serving clients remotely by phone, text, and video. My help costs you nothing extra.
264 Five-Star Google Reviews
Top-Rated Arizona Health Insurance Broker
Most people come to me after spending hours on healthcare.gov or sitting through a pushy sales call. There’s a better way.
I listen to what you actually need — your doctors, your prescriptions, your budget — and then I compare plans from multiple carriers side by side. You see exactly what you’re getting before you sign anything. No pressure, no commissions steering my advice.
I’ve been doing this in Arizona since 2004 — and in the insurance business since 1999. I know the local market, the carrier networks, and the plans that hold up when you actually need them.
Expert Health Insurance Help in Arizona, North Carolina & South Carolina
I work with all my clients remotely — by phone, text, or video call, wherever you are. Most people are surprised at how simple the process is once someone walks them through it.
Here’s what matters to me:
- Mayo Clinic Access: Many ACA and Medicare Advantage plans exclude Mayo Clinic. For Arizona clients, I know which plans keep it in-network, and I make sure you’re aware before you enroll.
- Real Plan Options: I cover ACA Marketplace, short-term medical, PPO alternatives, Medicare Supplement, group plans, dental, life, and mortgage protection. One call covers everything.
- No Extra Cost to You: My compensation comes from the insurance carrier. Your premium is the same whether you use a broker or go direct — you’re just getting 20+ years of experience added at no charge.
Why I Don’t Sell Medicare Advantage
Most brokers earn more by selling Medicare Advantage plans. I don’t sell them. After more than 20 years in this business, I’ve seen too many people get trapped — limited networks, prior authorization denials, and a one-way door that permanently closes your options right when you need them most.
Why Use an Independent Health Insurance Broker?
Most people don’t realize how many options they have. ACA plans get the most attention, but depending on your income and health, a private PPO or short-term plan might cover more for less money. I show you both — and I let you decide.
A few things I hear from clients regularly:
- “I didn’t know I had options outside the marketplace.” A lot of people do, especially if they’re healthy and not eligible for large subsidies.
- “I was paying way too much.” Rates vary significantly by carrier for identical coverage. Shopping it matters.
- “I didn’t know which plan included my doctors.” Network access is the most important thing to get right, and it’s easy to miss when you’re comparing on your own.
My job is to make sure none of those surprises happen to you.
Get A Free Quote
Recognition & Awards
What Our Clients Are Saying
I’ve earned over 264 five-star Google reviews — not by being the cheapest option, but by being honest about what plans actually work. Here’s what our clients are saying:
Health Insurance Made Simple
Here’s how it works:
Call or text me — or fill out the contact form. I ask about your situation: the doctors you want to keep, prescriptions you take, your budget. I pull quotes from multiple carriers and walk you through your best options. You choose what fits, and I handle the enrollment — all remotely, by phone, text, or video.
Most people are covered within a day or two. Whether you’re single, raising a family, self-employed, or turning 65, there’s a plan that works for your situation.
Proudly Serving Arizona, North Carolina & South Carolina
I work with clients across Arizona, North Carolina, and South Carolina entirely by phone, text, or video call. Wherever you are, distance is never an issue.
Your Independent Health Insurance Broker — Apply Today!
I serve clients throughout Arizona — cities large and small. Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, Sun City, Tempe, Goodyear, Avondale, Buckeye, and Queen Creek. Plus Casa Grande, Prescott, Flagstaff, Sedona, Lake Havasu City, Yuma, and Tucson. I’m also now licensed and ready to help clients throughout North Carolina and South Carolina. Wherever you are, I’m just a call or text away.