Health insurance prices in Maricopa County, AZ (2026)
86 marketplace plans from 7 insurers. Cheapest plan $388/mo; typical Silver $567/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 4.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $388–$562 (typical $471) · Silver $472–$658 (typical $567) · Gold $542–$784 (typical $673) · Catastrophic $354–$354 (typical $354)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Imperial Health Plan | 5 | $404 | $404 | $478 | $560 | Imperial Standard Bronze | |
| Oscar Health | 17 | $388 | $415 | $504 | $547 | Bronze Simple | |
| Antidote Health | 16 | $403 | $437 | $543 | $682 | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | |
| Blue Cross Blue Shield of ArizonaIndependent Blue Cross Blue Shield company | 10 | $472 | $504 | $570 | $744 | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) | |
| Ambetter (Centene) | 16 | $471 | $484 | $583 | $661 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 14 | $436 | $477 | $587 | $685 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Cigna HealthcareCigna Group | 8 | $485 | $508 | $657 | $749 | Connect Bronze 7400 Indiv Med Deductible |
All 86 plans in Maricopa County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Antidote Health | Catastrophic Standard | Catastrophic | HMO | $354 | $10,600 | $10,600 | $14,845 | |
| Oscar Health | Bronze Simple | Expanded Bronze | HMO | $388 | $9,000 | $10,600 | $15,260 | |
| Antidote Health | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Expanded Bronze | HMO | $403 | $8,700 | $10,600 | $15,430 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $404 | $7,500 | $10,000 | $14,853 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $407 | $7,500 | $10,000 | $14,888 | |
| Antidote Health | Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Expanded Bronze | HMO | $413 | $8,700 | $10,600 | $15,559 | |
| Oscar Health | Buena Salud Bronce Simple Para Diabetes | Expanded Bronze | HMO | $414 | $5,500 | $10,150 | $15,121 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | HMO | $415 | $5,500 | $10,150 | $15,135 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | HMO | $422 | $5,500 | $10,150 | $15,217 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $436 | $10,600 | $10,600 | $15,828 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $436 | $0 | $10,150 | $15,386 | |
| Antidote Health | Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Expanded Bronze | HMO | $437 | $8,000 | $10,600 | $15,847 | |
| Antidote Health | Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Expanded Bronze | HMO | $448 | $8,000 | $10,600 | $15,975 | |
| Antidote Health | Bronze Standard | Expanded Bronze | HMO | $449 | $7,500 | $10,000 | $15,387 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $459 | $7,500 | $10,000 | $15,503 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $471 | $8,450 | $10,150 | $15,800 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $472 | $6,000 | $8,900 | $14,562 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) | Expanded Bronze | HMO | $472 | $10,150 | $10,150 | $15,813 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $473 | $7,500 | $10,000 | $15,673 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $477 | $7,500 | $10,000 | $15,725 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $483 | $0 | $10,600 | $16,394 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $483 | $8,450 | $10,150 | $15,947 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $484 | $7,500 | $9,500 | $15,307 | |
| Cigna Healthcare | Connect Bronze 7400 Indiv Med Deductible | Bronze | HMO | $485 | $7,400 | $10,600 | $16,418 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $485 | $7,500 | $10,000 | $15,822 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $492 | $5,750 | $9,400 | $15,300 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $492 | $6,000 | $8,900 | $14,806 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $499 | $6,500 | $10,000 | $15,990 | |
| Antidote Health | Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $500 | $7,500 | $10,600 | $16,604 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Expanded Bronze | HMO | $501 | $0 | $10,600 | $16,615 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Bronze Focus | Expanded Bronze | HMO | $504 | $7,500 | $10,000 | $16,042 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | HMO | $504 | $5,900 | $10,150 | $16,193 | |
| Oscar Health | Silver Simple Specialist Saver with COPD | Silver | HMO | $504 | $6,500 | $9,600 | $15,652 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | HMO | $506 | $6,000 | $10,150 | $16,222 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | HMO | $508 | $7,500 | $10,000 | $16,094 | |
| Cigna Healthcare | Connect Bronze 9500 Indiv Med Deductible | Expanded Bronze | HMO | $509 | $9,500 | $9,500 | $15,611 | |
| Antidote Health | Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $511 | $7,500 | $10,600 | $16,733 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $511 | $7,250 | $7,250 | $13,384 | |
| Blue Cross Blue Shield of Arizona | AZ Blue ACA StandardHealth Silver with Health Choice | Silver | HMO | $524 | $6,000 | $8,900 | $15,186 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $525 | $7,250 | $7,250 | $13,544 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $532 | $0 | $8,500 | $14,885 | |
| Oscar Health | Gold Simple | Gold | HMO | $542 | $3,300 | $9,950 | $16,448 | |
| Antidote Health | Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Silver | HMO | $543 | $6,500 | $10,600 | $17,117 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $545 | $2,000 | $8,200 | $14,742 | |
| Oscar Health | Gold Simple Diabetes | Gold | HMO | $548 | $2,000 | $9,800 | $16,375 | |
| Oscar Health | Gold Classic | Gold | HMO | $553 | $3,500 | $7,750 | $14,382 | |
| Antidote Health | Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Silver | HMO | $554 | $6,500 | $10,600 | $17,245 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $556 | $2,000 | $8,200 | $14,876 | |
| Blue Cross Blue Shield of Arizona | AZ Blue Portfolio Bronze HSA Focus | Expanded Bronze | HMO | $562 | $7,100 | $7,100 | $13,848 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) | Silver | HMO | $563 | $7,500 | $9,200 | $15,954 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $564 | $1,000 | $8,000 | $14,765 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $572 | $6,000 | $8,900 | $15,762 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $572 | $6,000 | $8,900 | $15,766 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Silver | HMO | $573 | $4,500 | $10,150 | $17,030 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) | Silver | HMO | $576 | $7,200 | $7,200 | $14,115 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $578 | $5,950 | $8,850 | $15,791 | |
| Antidote Health | Silver Standard | Silver | HMO | $585 | $6,000 | $8,900 | $15,926 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Silver Focus | Silver | HMO | $587 | $6,000 | $8,900 | $15,939 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $587 | $6,000 | $8,900 | $15,946 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Silver | HMO | $587 | $0 | $10,600 | $17,646 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Silver | HMO | $592 | $4,500 | $10,150 | $17,249 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $594 | $5,950 | $8,850 | $15,972 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $605 | $0 | $10,600 | $17,866 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $626 | $2,000 | $8,200 | $15,708 | |
| Antidote Health | Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $636 | $3,000 | $9,000 | $16,637 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $642 | $2,000 | $8,200 | $15,904 | |
| Antidote Health | Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $647 | $3,000 | $9,000 | $16,765 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $652 | $1,450 | $7,500 | $15,330 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | HMO | $657 | $6,000 | $8,900 | $16,779 | |
| Cigna Healthcare | Connect Silver 6100 Indiv Med Deductible | Silver | HMO | $657 | $6,100 | $8,500 | $16,387 | |
| Cigna Healthcare | Connect Silver 4000 Indiv Med Deductible | Silver | HMO | $658 | $4,000 | $9,700 | $17,598 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $668 | $2,000 | $8,200 | $16,213 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $670 | $1,450 | $7,500 | $15,534 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $676 | $1,250 | $8,000 | $16,115 | |
| Antidote Health | Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Gold | HMO | $682 | $3,000 | $9,000 | $17,178 | |
| Antidote Health | Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx | Gold | HMO | $692 | $3,000 | $9,000 | $17,307 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) | Gold | HMO | $695 | $1,250 | $8,000 | $16,337 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $695 | $0 | $7,800 | $16,141 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $704 | $0 | $6,500 | $14,953 | |
| Antidote Health | Gold Standard | Gold | HMO | $719 | $2,000 | $8,200 | $16,833 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $723 | $0 | $6,500 | $15,174 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) | Gold | HMO | $728 | $1,475 | $8,000 | $16,735 | |
| Cigna Healthcare | Connect Gold 2500 Indiv Med Deductible | Gold | HMO | $741 | $2,500 | $8,200 | $17,096 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) | Gold | HMO | $744 | $4,800 | $4,800 | $13,730 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | HMO | $757 | $2,000 | $8,200 | $17,285 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Gold Focus | Gold | HMO | $784 | $2,000 | $8,200 | $17,602 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $388 | $471 | $562 | 29 | $7,500 | $10,150 | $15,611 |
| Silver | $472 | $567 | $658 | 30 | $6,000 | $9,300 | $15,963 |
| Gold | $542 | $673 | $784 | 26 | $2,000 | $8,200 | $16,177 |
| CatastrophicUnder 30 or hardship exemption only | $354 | $354 | $354 | 1 | $10,600 | $10,600 | $14,845 |
* 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.