Health insurance in Arizona can be complicated if you don’t do your research.
Arizona health insurance is available in the state marketplace and can be accessed through the healthcare.gov website.
Cheap health insurance in Arizona is also available through private companies, and there are individual and family plans that can be suitable for you. In the guide below, we will evaluate the different options as well as crucial factors that impact your health insurance choice. If you are looking for providers outside of Arizona - make sure to take a look at our list of best health insurance providers.
Let’s explore the health insurance marketplace in Arizona in more detail!
Health insurance providers in Arizona offer private plans to individuals and families. Some have contracts with the ACA that give you access to government-subsidized plans too.
BlueCross BlueShield of Arizona provides consumers with three main plans. It’s important to note that your location, age, gender, medical history, and other factors do influence your payment options. Here are the 3 plans you can choose from:
BlueCross BlueShield also provides lowered costs for those who are eligible for financial assistance.
Cigna has 3 metal-tier levels for their Arizona health insurance plans: Gold, Silver, and Bronze. Their Bronze plan is better for people who want low premiums and don’t go to the doctor that often. While out-of-pocket costs can be high, the low premiums make up for it.
The Silver plan is right for families or individuals who frequently go to the doctor for accidents or illnesses. The premium costs are medium level, and so are out-of-pocket costs.
Lastly, the Gold plan is perfect for people who visit the doctor regularly and have multiple prescriptions for drugs. While premiums are high under this plan, there are low out-of-pocket costs to deal with.
Health Net of Arizona has different health insurance plans that are designed for specific groups of people. Here is an overview of their plans:
Oscar Health Insurance offers Medicare, small businesses, individual and family plans for the people of Arizona. Their Oscar Care feature offers personalized care online. They also have virtual primary and urgent care options with doctor visits for $0.
Their $0 prescription feature can help people with sudden medical conditions or accidents. Oscar has partnered with top-rated doctors, specialists, and hospitals in your area to ensure that you can get healthcare whenever you need it.
The Oscar application can even sync up with Apple Health and Google Fit so that you earn money for hitting your step count goals.
Bright Health offers Medicare options and business plans, too, but their individual and family plans are the most popular.
Cheap health insurance in Arizona can depend on where you reside. The healthcare options can vary depending on the county you live in. Here is a breakdown of the most affordable health insurance in Arizona by counties.
|County||Cheapest Plan Name||Adult, Aged Under 40 Years||Couple, Aged 40 Years||Couple Aged 40 Years With Child|
|Pima||Blue Advance Health Silver Plan||$330||$660||$857|
|Santa Cruz||Ambetter Balanced Care||$353||$707||$918|
|Maricopa||Blue Advance Health Silver||$381||$762||$990|
|Pinal||Oscar Silver Saver 2||$433||$867||$1,126|
|Gila||Ambetter Balanced Care||$494||$988||$1,283|
|Cochise||Ambetter Balanced Care||$505||$1,011||$1,313|
|Graham||Ambetter Balanced Care||$505||$1,011||$1,313|
|Greenlee||Ambetter Balanced Care||$505||$1,011||$1,313|
|Coconino||Ambetter Balanced Care||$573||$1,146||$1,489|
|Yavapai||Blue Advance Health Silver||$617||$1,234||$1,604|
|Apache||Blue Advance Health Silver||$643||$1,287||$1,672|
|Mohave||Blue Advance Health Silver||$643||$1,287||$1,672|
|Navajo||Blue Advance Health Silver||$643||$1,287||$1,672|
|La Paz||Blue Advance Health Silver||$652||$1,304||$1,694|
|Yuma||Blue Advance Health Silver||$652||$1,304||$1,694|
As you can see, the most affordable county is Pima, while the most expensive are La Paz and Yuma.
The average health insurance cost in Arizona per person is $6,215 per year. It is actually $766 cheaper than the national average for medical coverage. Insurance costs can also change based on your family size since more individuals will need to be covered. The breakdown according to family size for average monthly costs is as follows:
|Family Size||Monthly Cost for Health Plans On Average|
|Individual with child||$810|
|Couple aged 40 years||$1,014|
|Adult couple with one child||$1,317|
|Adult couple with two children||$1,621|
The health insurance quotes in Arizona differ according to the copays, deductibles, and monthly premiums you choose. The above estimates are based on the average monthly costs for basic packages only.
Depending on your needs, there are different types of health insurance in Arizona.
While there aren’t 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.
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.
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:
By taking better care of your health, such as quitting smoking, you will actually be able to get a better deal on your insurance plan.
Arizona coverage enrollment for 2021 opens on the 1st of January, 2021.
Arizona expanded Medicaid in 2014 by implementing ACA. Eligibility increased by 100% FPL for adults without children, 133% FPL for children, and 133% FPL for adults.
There is no law in Arizona that makes insurance mandatory, even for employers. Still, there are many options for cheap health insurance in Arizona if you need it.
The income needs to be below or at 138% FPL to qualify for Medicaid. Income under $36,156 for families of 4 and $17,609 for individuals is the income limit for 2021.
The short-term health insurance in Arizona has coverage options for a full year with renewal options for 36 months. It is a good option for people between jobs, unemployed persons, waiting for a group coverage period to start, or plan on moving out of the state in a few months.
Overall, 11% of Arizona’s population is uninsured.
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