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How To Get Health Insurance In Arizona

What Does Health Insurance Cover

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Under the Affordable Care Act, health insurance companies have to cover certain services and treatments. There are 10 benefits that all health insurance plans must offer, known as the 10 essential benefits.

  • Preventive and wellness services, including chronic disease management
  • Laboratory services
  • Pediatric care, or care for children including dental and vision coverage
  • Ambulatory patient services, or care you get without being admitted to a hospital
  • Emergency services
  • Mental health and substance use disorder care
  • Prescription drugs
  • Pregnancy and newborn care both during pregnancy and after birth
  • Rehabilitative and habilitative services and devices, or services to help people with injuries or disabilities regain or develop mental and physical skills

The Cheapest Health Insurance In Arizona By Age And Metal Tier

Aside from the plans tier, insurance carriers consider other factors when setting premiums. When you enroll in a health care plan, your age can have a major impact on the cost of health insurance in Arizona.

There is an average $600+ difference in price between HMO plans for 26-year-olds and 60-year-olds. A Silver plan for a 26-year-old buyer costs $404 per month on average. In comparison, a 60-year-old buyer pays an average of $1,070 per month for a policy in the same metal tier.

Health Insurance Costs in Arizona by Age and Metal Tier

The cost of health insurance in Arizona is directly proportional to your age, meaning premiums are likely to be higher when youre older. Getting a plan from lower tiers such as Bronze or Expanded Bronze may result in a lower monthly premium, but you may end up spending more because of these plans high deductibles.

These plan prices are only based on sample profiles. They dont use information specific to you such as your income and exact age. They also dont account for tax premiums or other programs for which older people may be eligible, making their premiums more affordable. The best way to get an exact quote is to apply for a plan.

You can use the table below to switch between the buyers age and metal tiers. In addition, you can read MoneyGeeks guide on health insurance in Arizona to help you decide which metal tier you prefer.

Cheapest Health Insurance in Arizona by Age And Metal Tier

Sort by Metal Tier:

The Available Health Insurance Providers

1. Blue Cross and Blue Shield of Arizona, Inc.: It was founded and has been operating since 1933. Its a non-profit company that strives to improve the health of Arizonans through access to the health care they need. They currently offer the cheapest and most affordable silver plan in the whole of Arizona.

2. Bright Health Company of Arizona: This has a former CEO of Unitedhealthcare as one of its co-founders and expanded into Arizona around 2018. It currently offers the most affordable and cheapest catastrophic plan in all of Arizona.

3. Cigna HealthCare of Arizona, Inc.: They offer coverage in the Bronze, Silver, and Gold metal levels with a focus on your total health and wellness round the clock, according to them.

4. Health Net of Arizona, Inc.: They currently hold the most affordable or cheapest bronze plan in the whole of Arizona.

5. Oscar Health Plan, Inc.: The company was started in 2012 and just like the others, aims to see to it you get affordable and high-quality health care coverage.

6. UnitedHealthcare of Arizona, Inc.: It has been around since 1977 and offers coverage for pregnant women and newborns, children, adults, plus people with disabilities, including dual coverage for those who are eligible for Medicare and Medicaid.

If you are looking for affordable health care insurance in the bronze, Silver, or catastrophic plans in Arizona, the insurance companies highlighted in green are your best bet.

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Finding Your Best Health Insurance Coverage In Arizona

If your household income falls below 138% of the federal poverty level, you may qualify for Arizona’s expanded Medicaid program to gain health insurance coverage. For those who don’t qualify, the county you live in, your household income and your expected medical expenses will all help determine the best cheap health insurance plan available through the Arizona marketplace. Different health plans are available in different counties. For example, a Pima resident would have different coverage options than a person who lives in Apache.

Within a given Arizona county, you’ll be able to choose from different metal tier health plans, each of which has its own pros and cons.

Lower metal tier plans, such as Bronze and Catastrophic policies, come with the cheapest health insurance premiums. However, the trade-off is paying higher out-of-pocket costs if you become ill. You may end up covering much higher deductibles and copays than you would if you were to choose a Gold plan.

Gold plans: Best if you have high expected medical costs

Though Gold health insurance policies come with the highest premiums â on average, they’re almost 20% more expensive than Silver plans in Arizona â your variable expenses will be much lower. Gold health plans have the lowest cost-sharing features, such as deductibles, copays and coinsurance, making them the best health insurance option for those with high expected medical expenses.

Silver plans: Best for average medical costs or people with low income

Arizona Dental And Vision Plans

Health insurance Plans

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.7 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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Arizona Health Insurance And You

What could be more amazing than Arizonas Grand Canyon is having access to affordable health insurance. Many Arizona residents qualify for financial assistance to get private medical insurance under Obamacare. You could even get free or low-cost health insurance in Arizona through public programs like Medicaid.

To help you better understand the Arizona health insurance market and your coverage options, you can navigate to the sections below to learn more.

Enrollment In The Arizona Health Insurance Marketplace

Arizona uses the federally-run Marketplace at Healthcare.gov for open enrollment, which takes place each year from This enrollment period is for private individual and family health insurance plans regulated by the Affordable Care Act . You also have access to these plans if youre a self-employed entrepreneur with no employees.

Arizonas Marketplace enrollment has declined every year since 2015 when sign-ups peaked at nearly 206,000. For the 2021 coverage year, a little over 154,000 residents enrolled in Arizona Health Insurance Marketplace plansslightly less than the previous year when a little over160,000 people enrolled.4

Besides enrollment through the public exchange at Healthcare.gov, you can get ACA-qualified coverage in the private Marketplace. This includes buying health insurance directly from a private insurer or connecting with a licensed insurance agent.

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What Does Routine Blood Work Check For

Routine blood work typically checks key levels in your blood to determine if yours are within the normal range. Depending on the test, lower or higher than normal results could indicate a possible infection, a sign that a body system or organ isnt performing as it should, or it can help rule out conditions to help with diagnosis. A complete blood count, for example, measures your red blood cells, white blood cells, platelets, and hemoglobin. A basic metabolic panel is another common test that measures blood glucose, calcium and electrolyte levels.

The Cheapest Health Insurance In Arizona By Metal Tier

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Arizona health insurance plans fall into different categories called metal levels or tiers. The tiers affect how you and your insurance provider divide medical expenses, but they do not impact the quality of care you receive.

You can choose between Catastrophic, Bronze, Expanded Bronze, Silver and Gold plans in the Arizona Insurance Exchange. Plans from less valuable metals, such as Bronze, require a lower monthly premium but cost more out of pocket when you need medical care. The cost of health insurance in Arizona differs across the tiers, but on average, their monthly premiums are:

  • Catastrophic: $369

Depending on the amount of medical care you require, the best health insurance plan for you in Arizona may vary. Going for a Gold plan may be cheaper for some people although you pay a higher premium, youll also pay less out of pocket since your insurance provider will cover a larger share of your medical costs.

The cheapest plan based on the monthly premium for each metal tier is shown in the table below. If you check out available plans in Arizonas Health Insurance Marketplace, youll notice a wide range between metal tiers regarding premiums, deductibles and out-of-pocket maximums.

If you qualify for cost-sharing reductions , Silver plans are a great deal since the deductibles are considerably lower. Families and individuals with low incomes may be eligible for this.

Cheapest Health Insurance in Arizona by Metal Tier

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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.

What Are Arizonas Medicare Options For Seniors And People With Disabilities

Qualifying Medicare recipients can choose from a traditional Original Medicare plan, which offers Part A and B, or a Medicare Advantage Plan from an insurance company.

  • Original Medicares Medicare Part A provides coverage for inpatient care, while Medicare Part B is used for preventive care, testing, transportation, medical supplies, and other outpatient services.
  • Medicare Advantage Plans are sold by private insurance companies. Although plans must offer at least the same coverage as Original Medicare, Medicare Advantage Plans often cover extra services such as prescription medications, dental, and vision.

You can enroll in a Medicare Part D plan regardless of whether you have Original Medicare or a Medicare Advantage Plan.

You can add a Medicare Supplement Insurance plan to cover some of your out-of-pocket Medicare expenses.


Arizona offers Medicare coverage to seniors over the age of 65 and younger people with qualifying disabilities. You may qualify for dual coverage with a Medicare plan and Medicaid if your income is under the qualifying threshold.


If you start receiving your Social Security or Railroad Retirement Board benefits at least four months before you turn 65, youll be automatically enrolled in Medicare. Otherwise, you must fill out an application online or contact your local Social Security office. You can enroll in Medicare during the following periods:

Medicare Resources

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Health Insurance Premium Tax Credit

The Health Insurance Premium Tax Credit is a tax credit for a participating health insurance company that enrolls qualified small businesses who were not previously covered by health insurance. The credit amount is passed on to the small business in the form of reduced premiums. The credit is based on the total of $1,000 per year for single coverage and $3,000 per year for family coverage or 50% of the annual premium, whichever is less.

Can You Get Ahcccs If You Are Married

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Unless there is evidence to the contrary, a persons assertion of marriage is recognized as proof for all programs except ALTCS and Freedom to Work . For FTW eligibility, a customers marital status is not required. See the chart below for ALTCS. The required evidence is dependent on the stated marital connection.

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How To Apply For Access Health Insurance In Arizona

Similarly, What is the income limit for AHCCCS in Arizona?

The MMMNA in Arizona is $2,288.75 . If a non-monthly applicants income is less than $2,288.75, money from their applicant spouse may be transferred to them, bringing their monthly income up to $2,288.75.

Also, it is asked, Who qualifies for AHCCCS in AZ?

Income. You may be eligible for AHCCCS if your familys income is at or below 138 percent of the Federal Poverty Level .

Secondly, How do I get free health insurance in Arizona?

The Arizona Health CareCost Containment System is the name of the states Medicaid program . AHCCCS may be able to provide you with free or low-cost coverage depending on your income.

Also, How long does it take to get approved by AHCCCS?

At the very latest, 45 calendar days from the date of the application.

People also ask, What qualifies as low income in Arizona?

Low income is defined as less than $50,000 for a family of four for a variety of programs such as Temporary Assistance for Needy Families , which provides cash assistance to needy families the Arizona Health Care Cost Containment System, the states Medicaid program KidsCare, which provides public health insurance for children and child care

Related Questions and Answers

When Is The Open Enrollment Period For Individual Health Insurance Coverage For 2022

You may recall that due to the COVID-19 pandemic, the government added an additional Open Enrollment Period for 2021 coverage that began on February 15, 2021, and ended on August 15, 2021. However, in most years, the Open Enrollment Period comes near the end of the calendar year, as it does this year for 2022 plans. But the next opportunity to obtain individual health insurance in Arizona through the Open Enrollment Period starts on November 1, 2021, and continues through January 15, 2022.

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Arizona Health Insurance: Find Affordable Plans

See how you can get cheap health insurance in AZ, including marketplace plans, Medicare, and Medicaid.

Arizonans have numerous ways to obtain affordable health insurance. Many people receive health benefits through an employer. However, depending on your income, employment, and other qualifications, you may opt to enroll in Medicaid, Medicare, choose an Affordable Care Act plan, or purchase a plan directly from a health insurance company.

This guide explains your Arizona health insurance options in detail.

Can I Get Ahcccs If I Am Self Employed

Best Health Insurance in Arizona – Understand Your Options! Call: 602-573-4198

1) Charges If the program is., the cost will be. MSP ALTCS SSI-MAO AHCCCS FTW AHCCCSFTW AHCCCS FTW As a deduction from gross self-employment income, it is not permitted. Relative who looks after an adult Woman in Pregnancy KidsCare is a charity that helps children. Deduction from gross self-employment income is permitted.

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What If You Need Extra Coverage

If you dont have enough money socked away for a rainy day ,5 one accident could wipe out your savings and leave you in serious debt.

Thats when you might opt to buy supplemental insurance for accidents and illnesses to ease your mind. For less than $30 a month, you can supplement your short-term health insurance policy with a plan that pays a flat cash rate if you suffer an unexpected accident or are diagnosed with a critical illness.6 Some plans also include hospitalization coverage. The money received from a qualified claim can be used for medical bills or other needs like paying the mortgage or child care. The check is yours to use as you see fit.

How Much Is Health Insurance In Arizona

The average cost for an ACA health insurance policy in Arizona, across all plan tiers, is currently $503 per month for a 40-year-old. Those who qualify may be able to lower insurance expenses through cost-sharing subsidies or premium tax credits. These cost-reduction programs are based on income and family size.

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Arizona Health Insurance Coverage

The people of Arizona have different kinds of health insurance while some Arizona residents are not insured at all. See the breakdown below:

  • Private coverage: 50%
  • Connecticut General Life Insurance Company – Arizona
  • Health Net of Arizona, Inc.
  • UnitedHealthcare Military & Veterans Services, LLC
  • Compass Rose Health Plan

Arizona Health Insurance Guide

Health Insurance Info

Depending on your needs, there are different types of health insurance in Arizona.

Employer Health Insurance

While there arent any laws that make it mandatory for employers to provide health insurance for their employees in Arizona, a lot of employers still offer it as an added benefit. Many employers offer group insurance plans that you can take advantage of.

Private Health Insurance in Arizona

Arizona individual health insurance plans are there for families and individuals. Make sure to do proper research before investing in a plan since all of them have different premiums and benefits. Check their plan properly for policies on primary care, visits, physicians, medication, etc. to make sure you get the one most suitable to your needs.

Government-Assisted Plans

Obamacare or ACA expanded Medicaid and Medicare benefits to more people. Medicare offers coverage to individuals with disabilities and seniors over the age of 60, while Medicaid offers health benefits to pregnant women, children, seniors, parents, and people with disabilities. If you have a low income, you can also avail of Medicaid benefits in Arizona.

To be eligible for the Medicare program, you need American citizenship or legal permanent residence in America for a minimum of 5 years. For Medicaid, the requirement is to be a citizen, legal alien, US national, or have permanent residence.

Arizona health insurance is impacted by various factors that you may not have considered before:

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How To Get Health Coverage

You can get health care coverage through:

  • A group coverage plan at your job or your spouse or partner’s job
  • Your parents’ insurance plan, if you are under age 26
  • A plan you purchase on your own directly from a health insurance company or through the Health Insurance Marketplace
  • Government programs such as
  • The Veterans Health Administration or TRICARE for military personnel
  • Your state, if it provides a health insurance plan
  • Continuing employer coverage from your former employer, on a temporary basis under the Consolidated Omnibus Budget Reconciliation Act
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