Health Insurance Plans in Arizona
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Arizona residents. Get a free quote from a licensed advisor today.
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Arizona Health Insurance at a Glance
Here's what you need to know about health coverage options in Arizona.
Arizona expanded Medicaid under the ACA, providing coverage for adults up to 138% FPL. The state has a growing number of marketplace carriers, especially in Maricopa County.
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Get My Personalized Quote →ACA Marketplace Plans in Arizona
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Arizona Marketplace Works
Arizona residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Arizona
These insurance companies offer ACA marketplace plans in Arizona:
- Blue Cross Blue Shield of Arizona
- Ambetter
- Oscar Health
- Cigna Healthcare
- UnitedHealthcare
- Antidote Health
- Imperial Health Plans
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Arizona
Arizona has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Arizona
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Arizona
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Arizona?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Arizona
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Arizona Health Insurance Questions
Arizona Insurance Resources
Arizona Department of Insurance and Financial Institutions
File complaints, verify licenses, and learn about your rights as a consumer.
Arizona Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Arizona
Find health insurance information specific to your city in Arizona.
Phoenix
Maricopa County · Pop. 1,608,139
Tucson
Pima County · Pop. 542,629
Mesa
Maricopa County · Pop. 504,258
Scottsdale
Maricopa County · Pop. 241,361
Chandler
Maricopa County · Pop. 275,987
Glendale
Maricopa County · Pop. 250,547
Tempe
Maricopa County · Pop. 180,587
Peoria
Maricopa County · Pop. 190,389
Gilbert
Maricopa County · Pop. 267,918
Avondale
Maricopa County · Pop. 88,787
Surprise
Maricopa County · Pop. 143,280
Buckeye
Maricopa County · Pop. 72,700
Goodyear
Maricopa County · Pop. 81,897
Queen Creek
Maricopa County · Pop. 73,975
Sun City
Maricopa County · Pop. 38,423
Yuma
Yuma County · Pop. 93,064
Flagstaff
Coconino County · Pop. 76,255
Prescott
Yavapai County · Pop. 45,099
Lake Havasu City
Mohave County · Pop. 53,857
Bullhead City
Mohave County · Pop. 39,540
Health Insurance by County in Arizona
Find health insurance information for your county in Arizona.
Maricopa County
County Seat: Phoenix · Pop. 4,948,203
Pima County
County Seat: Tucson · Pop. 1,087,278
Yuma County
County Seat: Yuma · Pop. 213,381
Coconino County
County Seat: Flagstaff · Pop. 145,101
Yavapai County
County Seat: Prescott · Pop. 236,051
Mohave County
County Seat: Kingman · Pop. 210,615
Apache County
County Seat: Saint Johns · Pop. 71,518
Gila County
County Seat: Globe · Pop. 51,335
Graham County
County Seat: Safford · Pop. 37,695
Greenlee County
County Seat: Clifton · Pop. 18,437
La Paz County
County Seat: Parker · Pop. 20,489
Navajo County
County Seat: Holbrook · Pop. 110,057
Santa Cruz County
County Seat: Nogales · Pop. 47,420
Final County
County Seat: Florence · Pop. 54,144
Pinal County
County Seat: Florence · Pop. 426,142