ECA Financial Services, Inc

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ECA Financial Services, Inc Protecting your family through our family's knowledge of insurance and financial services. That's why choosing the right company to help you is so important.

We provide innovative benefit strategies to match your goals and changing needs, with the evolving insurance industry. Putting the right insurance and retirement strategy in place is important for you, your family and your business. With everything else on your plate, it can be difficult to dedicate the time to understanding your options and making the right decisions. At ECA Financial we want you to know that our family is here to help you with decades of experience and knowledge, along with personal attention to your unique goals. Your financial well-being is our focus. As a father/daughter team, we will help you understand your options, weigh your choices, inform you about possible credits and simplify the process for you. Need help with the design and implementation of your Benefits Plan?
- Evaluate current plans
- Negotiate new/renewal insurance plans and rates with carriers
- Smooth out claim problems
- Assist with coordination and administration
- Provide assistance with benefit summaries, employee meetings, presentations and other explanation oriented details. Your benefits plan may include the following:
- Medical Insurance
- International Travel Medical Plans
- Dental Insurance
- Short Term and Long Term Disability
- Life Insurance
- Long Term Care
- Vision Insurance
- Flexible Spending and Section 125 Plans
- COBRA and mini-Cobra (state continuation)
- ERISA Compliance

We offer insurance products and services that help protect your income if you become injured, ill or unable to work. These may include:
- Medical - ACA or gap / short-term
- Life Insurance - hybrid, permanent, term
- Disability
- Long Term Care

Are you a busy executive or professional looking at your long-term plans?
- Business Succession Planning
- Key May Insurance
- Income Replacement
- Buy/Sell Agreements
- Estate Conservation

10/29/2026

🚨 Health insurance rates are rising… but does that mean YOUR premium will?

Not necessarily! 👀

If you qualify for an ACA subsidy, you may be eligible for financial assistance that helps offset rising premiums.

💰 Your income could make a BIG difference in what you pay for coverage.

Before you panic about upcoming rate increases, talk with your health insurance advisor to understand your options.

📲 Follow Health Insurance Sherpa for more health insurance tips as Open Enrollment approaches!
https://podcasts.apple.com/us/podcast/health-insurance-sherpa/id1896881109

10/27/2026

Retirement isn't just about how much you save.

10/25/2026

🚨 BLUE CROSS MEMBERS: BIG CHANGES ARE COMING IN 2027!

Your health insurance plan may look very different next year, and some of these changes could mean MORE benefits and expanded access to care!

Blue Cross Blue Shield is discussing a major expansion of its ACA Health Choice Network, potentially giving more members access to ProSano Health Centers and services such as:

🏥 Preventive care & lab work
🧠 Mental health support & counseling
💻 Virtual healthcare services
💊 Select medication services

And the best part? Some eligible plans may include access to these services at no additional cost!

⚠️ Before you renew your coverage, review your 2027 plan options and benefits with your insurance agent. What worked for you in 2026 may not be your best option in 2027.

🎙️ Listen to the full episode of Health Insurance Sherpa for more important health insurance updates!
https://podcasts.apple.com/us/podcast/make-the-most-of-2027-open-enrollment-%240-perks-tips/id1896881109?i=1000797247817

10/22/2026

💰 Have a Bronze health insurance plan? You could be missing out on a major tax benefit!

Here's something many people don't realize: Starting in 2026, Bronze and Catastrophic Marketplace plans are HSA-eligible under federal rules.

That means eligible individuals can contribute to a Health Savings Account (HSA), potentially reduce their taxable income, and set aside money for qualified medical expenses.

And the best part? Some plans can offer doctor copays while still allowing HSA contributions! 👀

Understanding your coverage isn't just about protecting your health. It's about making smarter financial decisions, too.

🎙️ Follow Health Insurance Sherpa with Lisa Martin for more insurance insights!
https://podcasts.apple.com/us/podcast/health-insurance-sherpa/id1896881109

10/20/2026

What if you could switch insurance without switching doctors? 👀

That's one of the biggest reasons people look for PPO coverage.

Larger provider networks, fewer referral requirements, and more flexibility when it comes to choosing your healthcare providers can make a big difference.

But not all PPO plans are created equal. Understanding your coverage before you need it is key!

🎙️ Want to better understand your health insurance options? Listen to the full episode of Health Insurance Sherpa on Apple Podcasts and Spotify!
https://podcasts.apple.com/us/podcast/health-insurance-sherpa/id1896881109

10/20/2026

The ten years that deserve extra attention.

10/19/2026

A trip to the ER is stressful enough… but the bill that follows? 😳💸

Thousands of dollars in charges can add up before you even realize what's happening. And understanding what your insurance actually covers can make all the difference.

🏥 Would you know what to look for on your medical bill or Explanation of Benefits (EOB)?

Because when an emergency happens, the last thing you should have to worry about is a financial surprise.

🎙️ Tune in to Health Insurance Sherpa for real conversations about navigating healthcare costs, coverage, and protecting yourself financially.
https://podcasts.apple.com/us/podcast/health-insurance-sherpa/id1896881109

10/16/2026

Have you heard of an ICHRA?
(Individual Coverage Health Reimbursement Arrangement)

Now its called CHOICE Arrangements!

Think of it as a monthly health insurance allowance for your employees. For example, you give $500/month, and each employee shops for the individual plan that fits them best. You reimburse them tax-free.

✅ Available to businesses of any size
✅ Customize amounts by employee class (full-time, part-time, location, and more)
✅ Employees choose their own plan from many carriers and options
✅ No IRS cap on reimbursement amounts
✅ Predictable costs and no group plan to manage
✅ Tax advantages for employer and employee

Curious if it’s a fit for your business? Send us a message! 📩

10/15/2026

Imagine fighting cancer AND fighting your insurance company just to get the care you need.💔

🎙️ On Health Insurance Sherpa, Lisa sits down with Brian Howie, founder of PodPopuli and small business owner, as he shares his experience navigating a rare cancer diagnosis, denied coverage, and potential medical bills reaching $47,000.

His story is a powerful reminder that having insurance doesn't always mean having access to the care you need.

🎧 Listen to the full episode on Apple Podcasts and Spotify!

https://podcasts.apple.com/us/podcast/health-insurance-sherpa/id1896881109

10/13/2026

Meet the Retirement Red Zone.

Address

7025 N Scottsdale Road, Suite 110
Scottsdale, AZ
85253

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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