Health insurance prices in Pima County, AZ (2026)
86 marketplace plans from 7 insurers. Cheapest plan $375/mo; typical Silver $532/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 6.
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 $375–$523 (typical $444) · Silver $438–$617 (typical $532) · Gold $516–$732 (typical $658) · Catastrophic $352–$352 (typical $352)
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 | $375 | $375 | $443 | $520 | Imperial Standard Bronze | |
| Oscar Health | 17 | $387 | $414 | $502 | $545 | Bronze Simple | |
| Cigna HealthcareCigna Group | 8 | $404 | $405 | $523 | $598 | Connect Bronze SoAZ CMS Standard | |
| Blue Cross Blue Shield of ArizonaIndependent Blue Cross Blue Shield company | 10 | $432 | $470 | $539 | $681 | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) | |
| Antidote Health | 16 | $400 | $435 | $540 | $678 | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | |
| Ambetter (Centene) | 16 | $469 | $482 | $581 | $659 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 14 | $444 | $486 | $598 | $699 | UHC Bronze Essential ($0 Virtual Urgent Care) |
All 86 plans in Pima County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Antidote Health | Catastrophic Standard | Catastrophic | HMO | $352 | $10,600 | $10,600 | $14,824 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $375 | $7,500 | $10,000 | $14,502 | |
| Oscar Health | Bronze Simple | Expanded Bronze | HMO | $387 | $9,000 | $10,600 | $15,250 | |
| 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 | $400 | $8,700 | $10,600 | $15,406 | |
| Cigna Healthcare | Connect Bronze SoAZ CMS Standard | Expanded Bronze | HMO | $404 | $7,500 | $10,000 | $14,854 | |
| Cigna Healthcare | Connect Bronze SoAZ 6300 Indiv Med Deductible | Expanded Bronze | HMO | $405 | $6,300 | $10,150 | $15,012 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $406 | $7,500 | $10,000 | $14,877 | |
| Cigna Healthcare | Connect Bronze SoAZ 4000 Indiv Med Deductible | Expanded Bronze | HMO | $409 | $4,000 | $10,150 | $15,058 | |
| 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 | $411 | $8,700 | $10,600 | $15,534 | |
| Oscar Health | Buena Salud Bronce Simple Para Diabetes | Expanded Bronze | HMO | $413 | $5,500 | $10,150 | $15,109 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | HMO | $414 | $5,500 | $10,150 | $15,123 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | HMO | $421 | $5,500 | $10,150 | $15,205 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) | Expanded Bronze | HMO | $432 | $10,150 | $10,150 | $15,334 | |
| 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 | $435 | $8,000 | $10,600 | $15,820 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $435 | $0 | $10,150 | $15,374 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $438 | $6,000 | $8,900 | $14,153 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $444 | $10,600 | $10,600 | $15,928 | |
| 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 | $446 | $8,000 | $10,600 | $15,948 | |
| Antidote Health | Bronze Standard | Expanded Bronze | HMO | $447 | $7,500 | $10,000 | $15,360 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $449 | $7,500 | $9,500 | $14,887 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $467 | $7,500 | $10,000 | $15,609 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $469 | $8,450 | $10,150 | $15,779 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Bronze Focus | Expanded Bronze | HMO | $470 | $7,500 | $10,000 | $15,643 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $471 | $7,500 | $10,000 | $15,652 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $481 | $8,450 | $10,150 | $15,926 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $483 | $7,500 | $10,000 | $15,800 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $486 | $7,500 | $10,000 | $15,835 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $491 | $5,750 | $9,400 | $15,287 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $491 | $6,000 | $8,900 | $14,792 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $492 | $0 | $10,600 | $16,504 | |
| Antidote Health | Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $498 | $7,500 | $10,600 | $16,574 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $498 | $6,500 | $10,000 | $15,976 | |
| Blue Cross Blue Shield of Arizona | AZ Blue ACA StandardHealth Silver with Health Choice | Silver | HMO | $501 | $6,000 | $8,900 | $14,909 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | HMO | $502 | $5,900 | $10,150 | $16,179 | |
| Oscar Health | Silver Simple Specialist Saver with COPD | Silver | HMO | $503 | $6,500 | $9,600 | $15,638 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | HMO | $505 | $6,000 | $10,150 | $16,208 | |
| 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 | $509 | $7,500 | $10,600 | $16,702 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $509 | $7,250 | $7,250 | $13,361 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Expanded Bronze | HMO | $511 | $0 | $10,600 | $16,730 | |
| Blue Cross Blue Shield of Arizona | AZ Blue Portfolio Bronze HSA Focus | Expanded Bronze | HMO | $515 | $7,100 | $7,100 | $13,278 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $516 | $2,000 | $8,200 | $14,394 | |
| Cigna Healthcare | Connect Silver SoAZ 6200 Indiv Med Deductible | Silver | HMO | $519 | $6,200 | $9,900 | $16,123 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $523 | $7,250 | $7,250 | $13,521 | |
| Cigna Healthcare | Connect Silver SoAZ 4000 Indiv Med Deductible | Silver | HMO | $523 | $4,000 | $10,000 | $16,272 | |
| Cigna Healthcare | Connect Silver SoAZ CMS Standard | Silver | HMO | $523 | $6,000 | $8,900 | $15,176 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $523 | $1,000 | $8,000 | $14,276 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $531 | $0 | $8,500 | $14,870 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) | Silver | HMO | $532 | $7,500 | $9,200 | $15,589 | |
| Oscar Health | Gold Simple | Gold | HMO | $540 | $3,300 | $9,950 | $16,433 | |
| 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 | $540 | $6,500 | $10,600 | $17,084 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $544 | $2,000 | $8,200 | $14,727 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) | Silver | HMO | $545 | $7,200 | $7,200 | $13,737 | |
| Oscar Health | Gold Simple Diabetes | Gold | HMO | $547 | $2,000 | $9,800 | $16,360 | |
| 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 | $551 | $6,500 | $10,600 | $17,212 | |
| Oscar Health | Gold Classic | Gold | HMO | $551 | $3,500 | $7,750 | $14,366 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $570 | $6,000 | $8,900 | $15,741 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $576 | $5,950 | $8,850 | $15,765 | |
| Antidote Health | Silver Standard | Silver | HMO | $583 | $6,000 | $8,900 | $15,890 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $583 | $6,000 | $8,900 | $15,894 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Silver | HMO | $584 | $4,500 | $10,150 | $17,161 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $585 | $6,000 | $8,900 | $15,920 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $591 | $5,950 | $8,850 | $15,946 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Silver Focus | Silver | HMO | $592 | $6,000 | $8,900 | $16,007 | |
| Cigna Healthcare | Connect Gold SoAZ 2500 Indiv Med Deductible | Gold | HMO | $592 | $2,500 | $8,600 | $15,707 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Silver | HMO | $598 | $0 | $10,600 | $17,781 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Silver | HMO | $603 | $4,500 | $10,150 | $17,385 | |
| Cigna Healthcare | Connect Gold SoAZ CMS Standard | Gold | HMO | $603 | $2,000 | $8,200 | $15,436 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $617 | $0 | $10,600 | $18,005 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $623 | $2,000 | $8,200 | $15,680 | |
| Antidote Health | Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $633 | $3,000 | $9,000 | $16,599 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $640 | $2,000 | $8,200 | $15,876 | |
| 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 | $644 | $3,000 | $9,000 | $16,726 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $650 | $1,450 | $7,500 | $15,301 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) | Gold | HMO | $666 | $1,475 | $8,000 | $15,997 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $667 | $1,450 | $7,500 | $15,505 | |
| 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 | $678 | $3,000 | $9,000 | $17,138 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $681 | $2,000 | $8,200 | $16,366 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) | Gold | HMO | $681 | $4,800 | $4,800 | $12,970 | |
| 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 | $689 | $3,000 | $9,000 | $17,265 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $689 | $1,250 | $8,000 | $16,270 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $702 | $0 | $6,500 | $14,922 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) | Gold | HMO | $708 | $1,250 | $8,000 | $16,496 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $708 | $0 | $7,800 | $16,301 | |
| Antidote Health | Gold Standard | Gold | HMO | $716 | $2,000 | $8,200 | $16,789 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $720 | $0 | $6,500 | $15,142 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Gold Focus | Gold | HMO | $732 | $2,000 | $8,200 | $16,981 |
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 | $444 | $523 | 29 | $7,500 | $10,150 | $15,374 |
| Silver | $438 | $532 | $617 | 30 | $6,000 | $9,450 | $15,933 |
| Gold | $516 | $658 | $732 | 26 | $2,000 | $8,200 | $15,936 |
| CatastrophicUnder 30 or hardship exemption only | $352 | $352 | $352 | 1 | $10,600 | $10,600 | $14,824 |
* 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.