Health insurance prices in Santa Cruz County, AZ (2026)
62 marketplace plans from 5 insurers. Cheapest plan $375/mo; typical Silver $573/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–$609 (typical $471) · Silver $438–$694 (typical $573) · Gold $516–$849 (typical $667)
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 | |
| Ambetter (Centene) | 16 | $469 | $482 | $581 | $659 | Everyday Bronze | |
| UnitedHealthcareUnitedHealth Group | 14 | $444 | $486 | $598 | $699 | UHC Bronze Essential ($0 Virtual Urgent Care) | |
| Blue Cross Blue Shield of ArizonaIndependent Blue Cross Blue Shield company | 10 | $501 Silver | $545 | $681 | $830 | AZ Blue ACA StandardHealth Silver with Health Choice |
All 62 plans in Santa Cruz County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| 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 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | HMO | $406 | $7,500 | $10,000 | $14,877 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 AdvanceHealth Bronze Focus (4 Free PCP Visits) | Expanded Bronze | HMO | $511 | $10,150 | $10,150 | $16,286 | |
| Imperial Health Plan | Imperial Standard Gold | Gold | HMO | $516 | $2,000 | $8,200 | $14,394 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $523 | $7,250 | $7,250 | $13,521 | |
| 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 | |
| Oscar Health | Gold Simple | Gold | HMO | $540 | $3,300 | $9,950 | $16,433 | |
| Oscar Health | Gold Classic Standard | Gold | HMO | $544 | $2,000 | $8,200 | $14,727 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Bronze Focus | Expanded Bronze | HMO | $545 | $7,500 | $10,000 | $16,544 | |
| Oscar Health | Gold Simple Diabetes | Gold | HMO | $547 | $2,000 | $9,800 | $16,360 | |
| 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 | |
| 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 | |
| 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 | |
| Blue Cross Blue Shield of Arizona | AZ Blue Portfolio Bronze HSA Focus | Expanded Bronze | HMO | $609 | $7,100 | $7,100 | $14,413 | |
| 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 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $640 | $2,000 | $8,200 | $15,876 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $650 | $1,450 | $7,500 | $15,301 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $667 | $1,450 | $7,500 | $15,505 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) | Silver | HMO | $674 | $7,200 | $7,200 | $15,291 | |
| UnitedHealthcare | UHC Gold Standard | Gold | HMO | $681 | $2,000 | $8,200 | $16,366 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Silver Focus | Silver | HMO | $687 | $6,000 | $8,900 | $17,141 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | Gold | HMO | $689 | $1,250 | $8,000 | $16,270 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) | Silver | HMO | $694 | $7,500 | $9,200 | $17,524 | |
| 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 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $720 | $0 | $6,500 | $15,142 | |
| Blue Cross Blue Shield of Arizona | AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) | Gold | HMO | $806 | $4,800 | $4,800 | $14,471 | |
| Blue Cross Blue Shield of Arizona | AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) | Gold | HMO | $830 | $1,475 | $8,000 | $17,964 | |
| Blue Cross Blue Shield of Arizona | AZ Blue StandardHealth Gold Focus | Gold | HMO | $849 | $2,000 | $8,200 | $18,382 |
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 | $471 | $609 | 21 | $7,500 | $10,150 | $15,609 |
| Silver | $438 | $573 | $694 | 22 | $6,000 | $9,050 | $15,907 |
| Gold | $516 | $667 | $849 | 19 | $2,000 | $8,000 | $15,680 |
* 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.