Personal advice
I start by listening to your story — your needs, budget, and long-term goals.
Group Health Insurance for Small Businesses

I explain all your options clearly and help you choose coverage that fits your life.
I start by listening to your story — your needs, budget, and long-term goals.
I take the time to understand exactly what matters most to you.
I am here beyond enrollment — providing responsive support, guiding plan updates, and answering your questions.
ACA Marketplace Plans
Explore coverage : ACA MarketplaceHealth Insurance for Self-Employed Individuals
Explore coverage : Self-EmployedShort-Term, Indemnity & Supplemental Health Plans
Explore coverage : Short-Term & SupplementalProviding quality health insurance is one of the best ways to invest in your employees — and your business. At Friendly Insurance Brokers, I help Arizona employers build affordable, competitive group health plans that fit their budget and support their team’s well-being.
Choosing the right group health insurance plan doesn’t have to be complicated. Whether you're offering benefits for the first time or reviewing your current plan, I’ll guide you through your options and make sure your employees — and your business — are fully supported.
If you have at least one full-time employee (besides yourself), you may qualify for ACA-compliant group plans.
These plans meet federal standards, include essential health benefits, and can be structured with flexible employer contribution strategies. I’ll help you compare carriers, networks, and premiums — and make sure your plan fits your team’s needs and your bottom line.
Supplemental benefits like dental, vision, accident, and disability coverage can boost employee satisfaction and enhance your overall offering.
If traditional group coverage isn’t the right fit, I’ll help you explore HRAs (Health Reimbursement Arrangements), defined contribution models, or individual coverage HRA (ICHRA) setups. These can be a great alternative for smaller teams or mixed employee types.
I will help you:
Let’s build a health insurance solution that makes sense for your team, your goals, and your budget. I’ll walk you through every step — clearly, patiently, and with your success in mind.
Independent and unbiased advice, with ongoing support from the same friendly local guide.
| Features & services | Our agency | Captive agent | Online & 1-800 companies |
|---|---|---|---|
| Access to multiple companies with a wide range of products. | Yes | No | Yes |
| Easy switching from company to company with no hassle | Yes | No | Yes |
| Unbiased & objective advice for your journey | Yes | No | Yes |
| Claims assistance & advocacy | Yes | Yes | No |
| Policy service from the same agent, every time you call | Yes | Yes | No |
Agency-provided comparison. Services vary by provider. Coverage changes depend on eligibility, enrollment periods, underwriting, and plan availability. View the original comparison chart.
See why Arizona trusts “Smiley” Javier. Testimonials are preserved from the supplied client content.
No. Javier’s help is completely free to you. Plan costs are the same as if you enrolled on your own.
Absolutely. Javier can complete your application in person, over the phone, or via a virtual meeting. The initial website form requests a conversation only and does not enroll you or change your coverage.
Yes. Javier can help compare COBRA continuation coverage to ACA options and recommend an affordable, comprehensive solution.
Absolutely! I offer virtual meetings or phone calls for your convenience.
Javier reviews your doctor and medication lists to help you compare plans. Networks and formularies vary by plan and year. Please discuss these details in your consultation, not in the website contact form.
Contact me today to start a conversation and find the right coverage for your needs—with someone who truly cares.
Call (520) 370-8568Monday–Friday, 9 AM–6 PM
After-hours appointments by request
English & Spanish · Hablamos español
Clear, personal help. Javier responds within 24 hours. Required fields are marked .
Leave a message—not live chat. Javier will follow up within 24 hours.