Health Insurance Plans in Mohave County, Arizona (2026)
24 ACA marketplace (Obamacare) plans are available in Mohave County, AZ, from 2 insurers. The cheapest plan starts at $609.24/month before subsidies.
That ranks 10th lowest of the 14 county areas we track in Arizona, 20% above the statewide median of $506.83.
Last updated: October 5, 2026 · Source: Official Marketplace Data · How we calculate this
Covers Lake Havasu City, Bullhead City, Kingman and Colorado City.
24
Plans Available
$609.24
Cheapest Plan/mo
2
Insurers
HealthCare.gov
Exchange
Insurers With the Cheapest Plans in Mohave
Plans Available in Mohave
Sorted by monthly premium · 30-year-old · Before subsidies
UHC Bronze Essential ($0 Virtual Urgent Care)
UnitedHealthcare
$609.24/mo
Ded: $10,600
UHC Bronze Standard
UnitedHealthcare
$641.40/mo
Ded: $7,500
UHC Bronze Standard+ (Dental + Vision)
UnitedHealthcare
$667.24/mo
Ded: $7,500
UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
UnitedHealthcare
$675.22/mo
AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits)
Blue Cross Blue Shield of Arizona
$693.31/mo
Ded: $10,150
UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)
UnitedHealthcare
$701.06/mo
AZ Blue StandardHealth Bronze Neighborhood
Blue Cross Blue Shield of Arizona
$739.38/mo
Ded: $7,500
AZ Blue ACA StandardHealth Silver with Health Choice
Blue Cross Blue Shield of Arizona
$786.51/mo
Ded: $6,000
Average Premiums in Mohave
Avg Bronze Plan
$694/mo
8 plans
Avg Silver Plan
$852/mo
Benchmark (2nd-lowest Silver): $799.79/mo
Eligible for CSR cost reductions
Deductibles & Out-of-Pocket Limits in Mohave
The premium is what you pay monthly; the deductible is what you pay before the plan starts sharing costs, and the out-of-pocket maximum is the most you can pay in a year. A cheaper premium usually means a higher deductible.
| Metal tier | Plans | Typical deductible | Deductible range | Typical out-of-pocket max |
|---|---|---|---|---|
| Bronze | 8 | $7,500 | $0–$10,600 | $10,075 |
| Silver | 9 | $6,000 | $0–$7,500 | $9,200 |
| Gold | 7 | $1,475 | $0–$4,800 | $8,000 |
Typical is the middle plan in each tier, not an average, since one $0-deductible variant would otherwise drag the figure below anything on offer. Silver plans can carry much lower deductibles than shown if you qualify for cost-sharing reductions. Check what you qualify for.
$0 and low-cost health insurance in Mohave County
At $23,940 a year (150% of the poverty level), a 40-year-old in Mohave County can get at least 6 Bronze plans for $0 a month after the premium tax credit.
| Age | Income $23,940 (150% of poverty level) | Income $31,920 (200% of poverty level) |
|---|---|---|
| 30 | $0 (6+ plans) | $0 |
| 40 | $0 (6+ plans) | $0 (2+ plans) |
| 60 | $0 (7+ plans) | $0 (6+ plans) |
Medicaid: Arizona expanded Medicaid, so adults earning up to 138% of the poverty level ($22,025 a year for one person, $45,540 for a family of four) usually qualify, and can apply any time of year.
2026 premiums in Mohave County, scaled by age with the CMS age curve; the credit uses the 2026 IRS percentages. "+" is because only the cheapest plans here are counted, so the real number can only be higher. Federal credit only, non-smokers. Income limits · Calculate your own credit
Health insurance companies in Mohave County compared by price
2 companies sell Marketplace plans in Mohave County. UnitedHealthcare has the cheapest Bronze plan for a 40-year-old, at $686/month before subsidies.
| Company | Plans | Bronze | Silver | Gold | Networks |
|---|---|---|---|---|---|
| UnitedHealthcare | 14 | $686 | $901 | $1,052 | HMO, HSA |
| Blue Cross Blue Shield of Arizona | 10 | $781 | $886 | $1,230 | HMO, HSA |
Each company's cheapest plan in each tier, from every Marketplace plan sold in Mohave County. Networks and doctors vary by plan, so check the provider directory before you enroll.
Nearby Counties in Arizona
All Counties in Arizona
More Arizona Health Insurance Guides
Health Insurance in Arizona
Compare Arizona's top-rated plans, ranked by official quality scores. See how Mohave's $609.24/mo starting premium compares to the statewide picture.
View statewide plans Get a QuoteSee Your Actual Price
Enter your ZIP, age, and income for Mohave to see subsidy-adjusted prices.
Compare plansFrequently asked questions about ACA insurance in Arizona
What is the health insurance marketplace in Arizona?
The Arizona (AZ) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 24 Arizona plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Arizona?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Arizona start from $609.24/month before subsidies.
Which Medicaid plan is best in Arizona?
There is no single "best" Medicaid plan in Arizona. Medicaid is administered through MCOs such as Blue Cross Blue Shield of Arizona, Ambetter from Arizona Complete Health, Oscar Health. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Arizona?
Short-term health insurance is sold outside the ACA Marketplace in Arizona by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in AZ?
Health insurance in AZ starts as low as $609.24/month for a 30-year-old on a Bronze plan before subsidies. Most Arizona residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.
What is the cheapest health insurance option in AZ for 2027?
The cheapest ACA option in AZ for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Arizona plans and prices at policymage.com/get-quotes.
How do I get health insurance in Arizona?
To get health insurance in Arizona, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $609.24/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.
What is the best health insurance in Arizona?
There is no single best health insurance plan in Arizona; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 24 Arizona plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.
How much is health insurance in Arizona per month?
Health insurance in Arizona starts at $609.24 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.
How do I get free health insurance in Arizona?
Free or near-free coverage in Arizona comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for Arizona residents on lower incomes.
When does Open Enrollment end in Arizona for ACA plans?
Open Enrollment for Arizona residents runs from November 1 through January 15. Arizona uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does health insurance cost in Arizona?
Health insurance in Arizona starts as low as $609.24/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many Arizona residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Arizona use HealthCare.gov or its own state exchange?
Arizona uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Arizona residents.
Has Arizona expanded Medicaid under the ACA?
Yes. Arizona has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.
What are the income limits for ACA subsidies in Arizona?
Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Arizona (Bronze, Silver, Gold, Platinum)?
Arizona ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Arizona?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Arizona through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Arizona ACA plans cover dental and vision?
Arizona ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most Arizona plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Arizona?
Outside Open Enrollment, Arizona residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Arizona?
Each Arizona ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.
Compare Plans in Mohave
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