Health insurance prices in Pinal County, AZ (2026)
78 marketplace plans from 6 insurers. Cheapest plan $401/mo; typical Silver $579/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 5.
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 $401–$677 (typical $475) · Silver $499–$770 (typical $579) · Gold $591–$942 (typical $677) · Catastrophic $353–$353 (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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Imperial Health Plan | 5 | $430 | $430 | $508 | $595 | Imperial Standard Bronze | |
| Antidote Health | 16 | $401 | $436 | $541 | $679 | Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | |
| Oscar Health | 17 | $431 | $460 | $559 | $607 | Bronze Simple | |
| UnitedHealthcareUnitedHealth Group | 14 | $440 | $482 | $593 | $692 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Ambetter (Centene) | 16 | $487 | $501 | $603 | $683 | Everyday Bronze | |
| Blue Cross Blue Shield of ArizonaIndependent Blue Cross Blue Shield company | 10 | $568 | $606 | $756 | $922 | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) |
All 78 plans in Pinal County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Antidote Health | Catastrophic Standard | Catastrophic | HMO | $353 | $10,600 | $10,600 | $14,832 | |
| 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 | $401 | $8,700 | $10,600 | $15,416 | |
| 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 | $412 | $8,700 | $10,600 | $15,544 | |
| Imperial Health Plan | Imperial Standard Bronze | Expanded Bronze | HMO | $430 | $7,500 | $10,000 | $15,157 | |
| Oscar Health | Bronze Simple | Expanded Bronze | HMO | $431 | $9,000 | $10,600 | $15,772 | |
| 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 | $436 | $8,000 | $10,600 | $15,831 | |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care) | Bronze | HMO | $440 | $10,600 | $10,600 | $15,880 | |
| 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 | $447 | $8,000 | $10,600 | $15,959 | |
| Antidote Health | Bronze Standard | Expanded Bronze | HMO | $448 | $7,500 | $10,000 | $15,371 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $452 | $7,500 | $10,000 | $15,425 | |
| Oscar Health | Buena Salud Bronce Simple Para Diabetes | Expanded Bronze | HMO | $460 | $5,500 | $10,150 | $15,666 | |
| Oscar Health | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Expanded Bronze | HMO | $461 | $5,500 | $10,150 | $15,682 | |
| UnitedHealthcare | UHC Bronze Standard | Expanded Bronze | HMO | $463 | $7,500 | $10,000 | $15,559 | |
| Oscar Health | Bronze Simple Chronic Care CKM | Expanded Bronze | HMO | $469 | $5,500 | $10,150 | $15,773 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision) | Expanded Bronze | HMO | $482 | $7,500 | $10,000 | $15,782 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | HMO | $484 | $0 | $10,150 | $15,961 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $487 | $8,450 | $10,150 | $15,992 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Expanded Bronze | HMO | $488 | $0 | $10,600 | $16,452 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $489 | $7,500 | $10,000 | $15,866 | |
| Antidote Health | Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Silver | HMO | $499 | $7,500 | $10,600 | $16,586 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $500 | $8,450 | $10,150 | $16,145 | |
| Imperial Health Plan | Imperial Standard Silver | Silver | HMO | $501 | $6,000 | $8,900 | $14,917 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $502 | $7,500 | $10,000 | $16,020 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Expanded Bronze | HMO | $506 | $0 | $10,600 | $16,676 | |
| 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 | $510 | $7,500 | $10,600 | $16,714 | |
| Imperial Health Plan | Imperial Preferred Silver | Silver | HMO | $514 | $7,500 | $9,500 | $15,671 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $529 | $7,250 | $7,250 | $13,592 | |
| 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 | $541 | $6,500 | $10,600 | $17,097 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $542 | $7,250 | $7,250 | $13,759 | |
| Oscar Health | Silver Simple PCP Saver | Silver | HMO | $546 | $5,750 | $9,400 | $15,948 | |
| Oscar Health | Silver Classic Standard | Silver | HMO | $546 | $6,000 | $8,900 | $15,455 | |
| 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 | $552 | $6,500 | $10,600 | $17,226 | |
| Oscar Health | Silver Simple Diabetes | Silver | HMO | $554 | $6,500 | $10,000 | $16,648 | |
| Oscar Health | Silver Simple Chronic Care CKM | Silver | HMO | $559 | $5,900 | $10,150 | $16,856 | |
| Oscar Health | Silver Simple Specialist Saver with COPD | Silver | HMO | $560 | $6,500 | $9,600 | $16,317 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | HMO | $562 | $6,000 | $10,150 | $16,889 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) | Expanded Bronze | HMO | $568 | $10,150 | $10,150 | $16,965 | |
| UnitedHealthcare | UHC Silver Standard | Silver | HMO | $578 | $6,000 | $8,900 | $15,831 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | Silver | HMO | $579 | $4,500 | $10,150 | $17,099 | |
| Antidote Health | Silver Standard | Silver | HMO | $584 | $6,000 | $8,900 | $15,905 | |
| Blue Cross Blue Shield of Arizona | AZ Blue ACA StandardHealth Silver with Health Choice | Silver | HMO | $585 | $6,000 | $8,900 | $15,917 | |
| Oscar Health | Silver Elite Saver Plus | Silver | HMO | $590 | $0 | $8,500 | $15,586 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $591 | $2,000 | $8,200 | $15,295 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $592 | $6,000 | $8,900 | $16,000 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | Silver | HMO | $593 | $0 | $10,600 | $17,717 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | Silver | HMO | $598 | $4,500 | $10,150 | $17,320 | |
| Ambetter (Centene) | Complete Silver | Silver | HMO | $598 | $5,950 | $8,850 | $16,027 | |
| Imperial Health Plan | Imperial Preferred Gold | Gold | HMO | $599 | $1,000 | $8,000 | $15,190 | |
| Oscar Health | Gold Simple | Gold | HMO | $601 | $3,300 | $9,950 | $17,162 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $605 | $2,000 | $8,200 | $15,460 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Bronze Focus | Expanded Bronze | HMO | $606 | $7,500 | $10,000 | $17,268 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $607 | $6,000 | $8,900 | $16,186 | |
| Oscar Health | Gold Simple Diabetes | Gold | HMO | $608 | $2,000 | $9,800 | $17,097 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | Silver | HMO | $612 | $0 | $10,600 | $17,938 | |
| Oscar Health | Gold Classic | Gold | HMO | $613 | $3,500 | $7,750 | $15,110 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | HMO | $614 | $5,950 | $8,850 | $16,215 | |
| Antidote Health | Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx | Gold | HMO | $634 | $3,000 | $9,000 | $16,614 | |
| 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 | $645 | $3,000 | $9,000 | $16,742 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $647 | $2,000 | $8,200 | $15,963 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $664 | $2,000 | $8,200 | $16,166 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $674 | $2,000 | $8,200 | $16,293 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $675 | $1,450 | $7,500 | $15,596 | |
| Blue Cross Blue Shield of Arizona | AZ Blue Portfolio Bronze HSA Focus | Expanded Bronze | HMO | $677 | $7,100 | $7,100 | $15,222 | |
| 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 | $679 | $3,000 | $9,000 | $17,154 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $683 | $1,250 | $8,000 | $16,196 | |
| 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 | $690 | $3,000 | $9,000 | $17,282 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $692 | $1,450 | $7,500 | $15,808 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) | Gold | HMO | $702 | $1,250 | $8,000 | $16,420 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $702 | $0 | $7,800 | $16,224 | |
| Antidote Health | Gold Standard | Gold | HMO | $717 | $2,000 | $8,200 | $16,807 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $728 | $0 | $6,500 | $15,240 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $747 | $0 | $6,500 | $15,469 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) | Silver | HMO | $749 | $7,200 | $7,200 | $16,186 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Silver Focus | Silver | HMO | $763 | $6,000 | $8,900 | $18,053 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) | Silver | HMO | $770 | $7,500 | $9,200 | $18,445 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) | Gold | HMO | $895 | $4,800 | $4,800 | $15,541 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) | Gold | HMO | $922 | $1,475 | $8,000 | $19,067 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Gold Focus | Gold | HMO | $942 | $2,000 | $8,200 | $19,509 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $401 | $475 | $677 | 26 | $7,500 | $10,150 | $15,778 |
| Silver | $499 | $579 | $770 | 27 | $6,000 | $9,400 | $16,317 |
| Gold | $591 | $677 | $942 | 24 | $2,000 | $8,200 | $16,210 |
| CatastrophicUnder 30 or hardship exemption only | $353 | $353 | $353 | 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.