Health insurance prices in Arizona (2026)
199 marketplace plans from 7 insurers across 15 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $375–$942 (typical $507) · Silver $438–$1,143 (typical $594) · Gold $516–$1,315 (typical $728) · Catastrophic $352–$354 (typical $353)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 15) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Oscar Health | 4 | 17 | $387 | $422 | $505 | $550 | Bronze Simple |
| Antidote Health | 3 | 16 | $400 | $436 | $541 | $679 | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx |
| Ambetter (Centene) | 9 | 16 | $469 | $524 | $603 | $722 | Everyday Bronze |
| UnitedHealthcareUnitedHealth Group | 7 | 14 | $436 | $501 | $605 | $705 | UHC Bronze Essential ($0 Virtual Urgent Care) |
| Imperial Health Plan | 10 | 5 | $375 | $559 | $653 | $770 | Imperial Standard Bronze |
| Cigna HealthcareCigna Group | 3 | 16 | $404 | $508 | $657 | $749 | Connect Bronze SoAZ CMS Standard |
| Blue Cross Blue Shield of ArizonaIndependent Blue Cross Blue Shield company | 15 | 115 | $432 | $727 | $811 | $1,079 | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $375 | $507 | $942 | 65 | $7,500 | $10,000 | $15,911 |
| Silver | $438 | $594 | $1,143 | 72 | $6,000 | $8,900 | $17,030 |
| Gold | $516 | $728 | $1,315 | 61 | $2,000 | $8,000 | $16,981 |
| CatastrophicUnder 30 or hardship exemption only | $352 | $353 | $354 | 1 | $10,600 | $10,600 | $14,832 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Arizona
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Apache County | 1 | 9 | $781 | $833 | $1,048 |
| Cochise County | 2 | 25 | $581 | $615 | $732 |
| Coconino County | 2 | 26 | $647 | $702 | $811 |
| Gila County | 4 | 45 | $430 | $500 | $598 |
| Graham County | 3 | 30 | $561 | $607 | $724 |
| Greenlee County | 2 | 25 | $581 | $615 | $732 |
| La Paz County | 3 | 28 | $702 | $778 | $950 |
| Maricopa County | 7 | 86 | $388 | $471 | $567 |
| Mohave County | 2 | 24 | $686 | $770 | $932 |
| Navajo County | 2 | 14 | $559 | $807 | $1,029 |
| Pima County | 7 | 86 | $375 | $444 | $532 |
| Pinal County | 6 | 78 | $401 | $475 | $579 |
| Santa Cruz County | 5 | 62 | $375 | $471 | $573 |
| Yavapai County | 3 | 22 | $731 | $842 | $1,011 |
| Yuma County | 2 | 14 | $772 | $817 | $1,043 |
To compare insurance plans side by side (or with health sharing), open your county.