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How To Apply For Health Insurance In Arizona

Arizona Department Of Insurance Contact Information

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Mailing Address:

100 North 15th Avenue, Suite 261Phoenix, Arizona 85007-2630

Four years. Learn more here: Arizona Insurance License Renewal

How long does it take to get an insurance license in Arizona?

2-8 weeks. The bulk of the time is spent studying for your Arizona insurance exam. Some people study for as little as one week and feel comfortable taking the exam. We recommend you take whatever amount of time you need to feel comfortable with the material. Check out our guide: How to Pass the Insurance Exam

How much does the Arizona insurance license cost?

The total cost for your insurance course, application, and exam will be about $375. If you dont pass the exam the first time, add $56 for each subsequent attempt.

How do I get a life insurance license in Arizona?

Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

How do I get a property and casualty license in Arizona?

Follow the steps above. The licensing process is the same for all insurance agent and producer licenses.

If Approved What Is The Expectation Around Effective Date

The effective date will be documented on the contract. Our company policy is that effective dates will be at least 60 days from the day both parties sign the agreement. This is to allow appropriate time to load the contract and perform necessary quality auditing to facilitate accurate claims payment.

Submit The Licensing Eligibility Requirement Form L

Individuals applying for an initial insurance license must submit a completed Licensing Eligibility Requirement Form L-152 accompanied by a readable photocopy of a required form of identification as mentioned in Form L-152. If you plan to submit your insurance license application at a Prometric test center, you should bring the completed Form L-152 with you to the test center.

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How To Become An Insurance Agent In Arizona

: Ethan Peyton

Getting your Arizona insurance license is the first step to becoming an insurance agent in Arizona. Whether youre interested in selling property and casualty insurance, life insurance, health insurance, or any combination of those lines of authority, this article has the information you need to get started.

The Arizona Department of Insurance has a 7-step process to getting your insurance license. Well walk you through step-by-step from the license application to insurance test prep, to the Arizona insurance exam, and beyond.

This guide has everything you need to know to get your Arizona insurance license quickly and easily.

Need Help Applying Online


If you would like someone to help you complete the on-line application you may contact one of our community partners. Going to a community partner will help minimize the time spent at the DES local office. Also, many community partners offer other services that help people with little or no income. Visit the Arizona Community Action Find Help page to find out where you can find help near your home.

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Unitedhealthcare Dual Complete Plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plans contract renewal with Medicare. This plan is available to anyone who has both Medical Assistance from the State and Medicare. This information is not a complete description of benefits. Call TTY 711 for more information. Limitations, co-payments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.

Which Insurers Offer Coverage In The Arizona Marketplace

For 2022 coverage, there are eight insurers offering exchange plans in Arizona. That includes two newcomers: Banner/Aetna CVS , and Medica Community Health Plan.

The following insurers will offer plans in the Arizona exchange as of 2022, with plan availability varying from one location to another:

  • Banner/Aetna CVS Health
  • Medica Community Health Plan
  • Blue Cross Blue Shield of Arizona
  • Health Net of Arizona
  • Cigna

You may still be able to enroll in coverage for 2021 if you experience a qualifying life event, or if youve received unemployment compensation at any point in 2021.

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Mail Fingerprint Card And Form L

After submitting your license application to the state, you will now mail in your fingerprint card. You will send this card to the Arizona Department of Insurance .

Arizona Department of Insurance100 North 15th Avenue Suite 261Phoenix, Arizona 85007-2630

Arizona also requires Form L-152 to be sent in with all applications. You will find this form in this Arizona Department of Insurance PDF. This form is the verification of Identification. You must fill it out and attach a copy of whichever approved form of identity you choose from the list.

Once you have filled this document out, email it to the . Do not send this document until you have passed the exam and sent in your application.

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Do you qualify for free or low-cost health insurance?

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*For some plans

Healthcare is essential. Ambetter can help.

You can count on us to share helpful information about COVID, how to prevent it, and recognize its symptoms. Because protecting peoples health is why were here, and its what well always do.

Statistical claims and the #1 Marketplace Insurance statement are in reference to national on-exchange marketplace membership and based on national Ambetter data in conjunction with findings from 2019 Issuer Level Enrollment Data from CMS, 2019 State-Level Public Use File from CMS, 2019 Covered California Active Member Profile data, state insurance regulatory filings, and public financial filings.

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What If My Earnings Increase

When families are eligible for AHCCCS Health Insurance and an increase in their earnings cause them to no longer be eligible for family coverage, they may be eligible for AHCCCS Health Insurance under Transitional Medical Assistance. Do not voluntarily withdraw from AHCCCS Health Insurance just because your earnings increase. Medical coverage may continue for up to 12 months when:

  • Your family received AHCCCS Health Insurance benefits in Arizona in three of the last six months AND
  • The person working is the parent or other relative caring for a minor child in the home. Please note that you must let DES know if your earnings increase by reporting a change. This will allow your eligibility for continued medical assistance to be decided under Transitional Medical Assistance.

Your family’s eligibility for Transitional Medical Assistance coverage must be reviewed every six months. You must keep proof of your income and child care expenses over the six-month period and give it to DES at your review. Contact your local DES office for more information.

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Arizona Gop Working To Overturn The Aca While Also Pretending To Protect People With Pre

Arizona is one of the plaintiff states in the California v. Texas lawsuit, in which 18 GOP-led states are working to try to overturn the ACA, including all of its consumer protections .

Two courts have agreed with the plaintiffs in their argument that the ACAs individual mandate is unconstitutional now that theres no longer a tax to enforce it. But while the lower court further agreed that the individual mandate is not severable from the rest of the ACA and the entire law should thus be overturned, the appeals court sent the case back to the lower court for a further inspection to determine exactly which aspects of the ACA should be overturned. The Supreme Court heard oral arguments in the case in November 2020, and a ruling is expected in the spring of 2021. The uncertainty caused by the case is harmful to consumers as well as insurers, and its left some states scrambling to enact legislation to protect consumers from the possibility of the ACA being overturned.

In Arizona in 2019, the average exchange enrollees premium was $589/month. But 79 percent of the states exchange enrollees were receiving premium subsidies, and the average net premium was $220/month. Without those subsidies, coverage would be unaffordable for many enrollees. And the nearly 400,000 people covered under expanded Medicaid in Arizona would not have their coverage without the ACAs enhanced federal funding for Medicaid expansion.

Arizona Dental And Vision Plans

Arizona Renewal License Application for a Health Care ...

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.4 They offer coverage for the dental and vision services many medical insurance plans dont include.

From Phoenix to Flagstaff, Mesa to Tucson, explore these Arizona health insurance options and more that may be available now.

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What If I Need Help With The Application Process

If you need assistance, please contact us.

You can also contact Community Assistors which help people complete and submit their Medical Assistance application. They will also help you understand eligibility rules and what may be required of you to participate in the program. Once your application is submitted, the Community Assistor may also help you get and submit verification documents . Some Assistors will be available to guide you through the entire process, and others will provide you with access to computers, scanners, telephones, copy machines and/or fax machines that you can use for free.

You can find a Community Assistor in your ZIP Code on the Get Help screen of Health-e-Arizona Plus. Also, many SNAP Community Partners are also Community Assistors that can help you apply for Medical Assistance.

It is recommended that you call the Assistor/Partner before visiting to make sure they offer the service you need and to make an appointment, if needed.

How Do I Provide Additional Information When Requested

To serve you better and to make sure you get all the benefits you need, please:

  • Provide all the information and proof as soon as possible
  • Contact us if you need help getting information, so we can assist you

You can mail or fax copies of the requested information. Please do not turn in original documents.

When you apply online at Health-e-Arizona Plus you can upload requested information or fax it with a cover sheet. in Health-e-Arizona Plus titled ‘How do I fax documents to HEAplus’)

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Arizona Kidscare Childrens Health Insurance Program

If you have uninsured children in your household who dont qualify for Medicaid, they could receive low-cost health insurance through Arizonas KidsCare program.

Income and household size determine eligibility. If you have a family of four, for example, you must earn no more than $53,004. If approved, youll pay up to $50 a month for one child or up to $70 per month regardless of the number of children.

Accident And Critical Illness Insurance

AHCCCS Website Overview

Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance3 and critical illness insurance,3 underwritten by Golden Rule Insurance Company, can help by paying cash benefits for covered injuries or illnesses.

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Arizona Health Insurance Exchange Links

About our health insurance quote forms and phone lines

We do not sell insurance products, but this form will connect you with partners of healthinsurance.org who do sell insurance products. You may submit your information through this form, or callto speak directly with licensed enrollers who will provide advice specific to your situation. Read aboutyour data and privacy.

The mission of healthinsurance.org and its editorial team is to provide information and resources that help American consumers make informed choices about buying and keeping health coverage. We are nationally recognized experts on the Affordable Care Act and state health insurance exchanges/marketplaces.Learn more about us.

If you have questions or comments on this service, pleasecontact us.

Enrollment Is Now Open Through August 15 2021

Starting , consumers enrolling in Marketplace coverage will be able to take advantage of lower premiums and access to financial assistance during the American Rescue Plan Act of 2021 announced by the Biden administration. If you’re looking for health insurance marketplace plans, UnitedHealthcare Exchange plans offer affordable, reliable coverage options from UnitedHealthcare of Arizona, Inc.

Call / TTY 711 to talk to a representative.

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Not Everyone Qualifies For An Insurance License

The Department can deny a license for any cause listed in Arizona Revised Statutes § 20-295. You should review this statute before deciding to spend the time, effort and money to apply for a license. If you apply for a license, you must truthfully and completely answer questions asked on the application, and you may need to provide additional documentation.

Resources On New Health Insurance Options

ADEQ Form SWU Download Printable PDF or Fill Online ...

The Health Insurance Marketplaces open enrollment period will be from . You must sign up by December 15 to have coverage by January 1, 2022. If you are even a day late, you will have to wait until February 1, 2022 for your coverage to begin. If you do not have health insurance, you may still qualify for either a Marketplace Special Enrollment Period or AHCCCS .

All Community Health Centers in Arizona have certified Application Counselors who can help you throughout the year. Call 377-3536 if you have general health insurance questions or schedule a free application appointment with an assister if you need in-person help. You can also call to schedule an appointment at your nearest health center.

Health Insurance MarketplaceThe Health Insurance Marketplace is for people who do not have employer-sponsored insurance, Medicaid or Medicare. The Marketplace is where you can buy health insurance and lower income families and individuals often receive financial assistance that makes coverage more affordable.

AHCCCS Eligibility is primarily based on your income. Enrollment for AHCCCS is open year-round. You can do it yourself by applying online, in person at your local DES office, or with any organization that has previously helped you apply.

KidsCare KidsCare is a program through AHCCCS for children who are not eligible for other AHCCCS health insurance. Like AHCCCS, income is an important factor and enrollment is open year-round.

Need help applying or have questions?

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Arizona Law Prohibits The Creation Of State

In April 2015, Governor Doug Ducey signed House Bill 2643 into law, effectively banning the state from creating a state-run exchange. Gov. Ducey told reporters that he signed the bill because hes no fan of and not in favor of a state exchange.

The law was enacted prior to the Supreme Courts ruling in King v. Burwell, and at ACAsignups, Charles Gaba estimates that 133,000 people in Arizona would have lost their subsidies and most likely their insurance if the Court had ruled that subsidies could only be provided by state-run exchanges.

Luckily for the people of Arizona, the Supreme Court issued a ruling in June 2015, upholding the legality of subsidies in every state, regardless of whether the exchange is run by the state or the federal government.

What Kind Of Low Or No

There are new options for Arizonans to find low or no-cost health insurance they can afford.

More Arizonans than ever before can apply for AHCCCS , Arizonas Medicaid program. AHCCCS health insurance is similar to health insurance offered by employers. It helps pay for doctor visits, hospital costs, and prescription drugs for you and your family. It also helps you avoid big medical bills and stay healthy.

KidsCare is back! The Childrens Health Insurance Program in Arizona re-opened on in the summer of 2016 with coverage starting September 1, 2016. To learn about eligibility and income limits, .

Many Arizonans can now find a health insurance plan that fits their budget when they choose to buy it through the HealthCare.gov Marketplace.

For most people, Marketplace coverage can only be purchased during a limited time each year, namely from . Exceptions are made for those experiencing big life changes, such as a marriage, divorce, loss of a job or a new baby.

Of course, for people aged 65 and older, Medicare continues to provide affordable health coverage as it has done in the past.

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Health Care Reform Measure Was Blocked From Appearing On The 2020 Ballot In Arizona

The ACA imposed a raft of consumer protections at the federal level, but its future is still in doubt due to the ongoing California v. Texas lawsuit and the possibility for future Congressional action. And there are some issues, such as surprise balance billing, that the ACA did not address .

Arizona health care reform activists were working to get a measure on the 2020 ballot that would have enshrined various ACA consumer protections into Arizona law. The ballot initiative would also prevent surprise balance billing on state-regulated health plans, and would have increased wages for most hospital employees.

Volunteers in Arizona had until July 2, 2020 to gather 237,645 signatures. A reported 425,000 signatures were submitted, but a Maricopa County judge ruled in August that the measure could not appear on the ballot because some of the signatures were invalid for a variety of reasons and because the way the measure was described to people during the signature-gathering process was potentially misleading. Backers of the ballot initiative have appealed to the Arizona Supreme Court, but the Court ruled in August 2020 that the measure would not appear on the 2020 ballot.

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