Employee Benefits and

Individual Life & Health Insurance

In the ever-changing environment we find ourselves in with the passage of the Affordable Care Act you need a broker that is knowledgeable and up-to-date on the changes in the market.

Higgins & Bolduc can provide you with health insurance options that can help protect you and your family from the high costs of treatment and the financial ramifications of a serious injury or illness.  To enhance your benefit package to your employees, we also offer Dental, Short and Long Term Disability and Group Life Insurance.

At Higgins & Bolduc, we value our business relationships and look to establish long-lasting partnerships.  We are committed to delivering outstanding value and to supporting the internal management of our clients’ employee & individual benefits.

We do that by…

  • Examining market options in areas of products, emerging trends, and non-core elements of employee benefits programs
  • Initiating the renewal of benefit programs in a timely fashion and, where appropriate, recommending changes that conform to each client company's overall compensation strategy
  • Negotiating the renewal of the incumbent carrier (for non-community rated business) and maintaining parity with market alternatives
  • Providing assistance in complying with applicable state and federal laws as well as providing insight into legislative developments at both the congressional and state legislative levels.
  • Elevating employee awareness and knowledge of sponsored benefit plans and appropriate service outlets
  • Serving as a client/employee advocate in resolving claim, enrollment, billing, and other administrative matters with insurance carriers and vendors


We represent:



Harvard Pilgrim

Maine Community Health Options (MCHO)

Assurant – Short Term Medical & Non ACA-Compliant

For more information on the Affordable Care Act please see the following useful link:

US Dept of Labor