Health Insurance Plans in Arizona
Browse ACA Marketplace plans available to Arizona residents on the federal exchange. 85 plans available for 2026. Starting from $345/month.
Lowest Monthly Premium
$345/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$410/mo
29 plans available
Avg Silver (Benchmark)
$493/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Phoenix, AZ
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$410/mo avg
from $345 – $499
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$493/mo avg
from $419 – $584
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$587/mo avg
from $481 – $696
Lowest-Premium Plans Available
Sample plans near Phoenix — enter your ZIP for exact results
Bronze Simple
Oscar Health Plan, Inc.
$345/mo
Ded: $9,000
Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx
Antidote Health Plan of Arizona, Inc.
$357/mo
Ded: $8,700
Imperial Standard Bronze
Imperial Insurance Companies, Inc.
$359/mo
Ded: $7,500
Bronze Classic Standard
Oscar Health Plan, Inc.
$362/mo
Ded: $7,500
Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx
Antidote Health Plan of Arizona, Inc.
$367/mo
Ded: $8,700
Buena Salud Bronce Simple Para Diabetes
Oscar Health Plan, Inc.
$368/mo
Ded: $5,500
Bronze Simple Breathe Easy with Enhanced COPD Benefits
Oscar Health Plan, Inc.
$369/mo
Ded: $5,500
Bronze Simple Chronic Care CKM
Oscar Health Plan, Inc.
$375/mo
Ded: $5,500
UHC Bronze Essential ($0 Virtual Urgent Care)
UnitedHealthcare
$387/mo
Ded: $10,600
Bronze Elite + PCP Saver Plus
Oscar Health Plan, Inc.
$388/mo
Ded: $0
Prices shown are for a 30-year-old near Phoenix without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Arizona?
Approximately 85 ACA Marketplace plans are available in Arizona for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Arizona?
For a 30-year-old without subsidies, the cheapest plan near Phoenix starts at about $345/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Arizona use HealthCare.gov?
Yes — Arizona is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Arizona averages $493/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Arizona
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.