There are a number of ways to purchase comprehensive and affordable health insurance in Arizona. Arizona residents can purchase individual and family health insurance through the Federal exchange.
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How to Buy Health Insurance in Arizona
Some Arizona residents may already receive health insurance through an employer or through the federal government, depending on their age and personal circumstances. In all other cases, health insurance in Arizona can be purchased from private insurance providers, which offer a number of comprehensive packages. In Arizona, health insurance is offered in five tiers: Catastrophic, Bronze, Expanded Bronze, Silver, and Gold.
How to Apply for Health Insurance in Arizona
Open enrollment for health insurance plans in Arizona begins on November 1, via both federal exchange and private insurance companies.
Arizona Health Insurance Costs Overview
The cost of health insurance in Arizona depends on many factors, including the carrier you choose, the tier of package you need, and personal factors such as your age and general health status. It will also depend on where you live, since most Arizona insurance carriers do not operate in every county in the state.
How Much Does Health Insurance Cost in Arizona?
In 2025, the average monthly health insurance premium was $410. (source)
What is the Cheapest Health Insurance Plan in Arizona?
Insurers adjust their premiums every year due to fluctuations in health costs and changes in life expectancy. Premiums in Arizona for the forthcoming year are set by an insurer, and approved by the federal health insurance exchange.
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Cheapest Arizona Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Arizona in 2025 was $471.
Silver Plans
The average lowest cost premium of a Silver Plan in Arizona in 2025 was $382.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $339.
Other Types of Arizona Health Insurance Coverage
Catastrophic Health Insurance in Arizona
Catastrophic health insurance plans have low monthly premiums and high deductibles, and are often used to protect against worst-case scenarios, like getting extremely sick or seriously injured. This type of health insurance is only available to individuals aged 30 or under or those of any age with a hardship exemption or affordability exemption. Those who enroll in catastrophic health insurance plans pay most of their own routine medical expenses.
Short Term Health Insurance in Arizona
Arizona law allows short-term health insurance plans to have terms of 364 days, and a total duration of up to 36 months. Short-term health insurance plans, in general, are only available to those with no pre-existing medical conditions, who are under 65 years old and in good health. This type of insurance, which usually comes with high premiums and relatively low coverage, is ideal for those who want some insurance until they find a job or can purchase a long-term policy.
Low Income Health Insurance in Arizona
Under the Affordable Care Act, Arizona residents may be offered subsidies on private health insurance from the federal government, including tax credits to reduce the monthly premium payment. Cost-sharing reductions are also available for Silver plans only. In previous years, 84% of private insurance enrollees received subsidies, and 48% received cost-sharing reductions.
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Sources:
Marketplace Average Benchmark Premiums, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 11/1/2024, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D