2021 Affordable Health Insurance Plans in Arizona

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. Currently, there are five insurers available on the federal exchange.

Highlights and Updates:

  • Arizona uses the federal exchange to enroll in plans.
  • The Open Enrollment Period for 2022 coverage begins on November 1, 2021.
  • Short-term health plans can be enrolled in for up to 364 days. 
  • Arizona’s uninsured rate has dropped from 17.1% to 10.6% since 2013.
  • In 2020, 153,020 Arizona residents enrolled in a health insurance plan.
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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 2022 health insurance plans in Arizona begins on November 1, 2021, via both the federal exchange and private insurance companies. In 2020, 154,504 people enrolled in a private individual plan through Arizona’s marketplace, for 2021 coverage. 

Health Insurance Carriers In Arizona

Currently, five insurers are available on the state exchange for Arizona residents: Blue Cross and Blue Shield of Arizona, Bright Health Company of Arizona, Cigna HealthCare of Arizona, Health Net of Arizona, and Oscar Health Plan. Blue Cross and Blue Shield is the only carrier to offer coverage in all Arizona counties. 

What Are The Cheapest Health Insurance Companies in Arizona?

The cheapest health insurance plans in Arizona are currently available through Bright Health Company of Arizona and Health Net. However, since these insurers do not operate in all counties in Arizona, they may not be available to you. 

How Has Obamacare Helped Arizona’s Uninsured?

Arizona has expanded its Medicaid program under the Affordable Care Act. In 2018, 10.6% of Arizona residents were uninsured. While this is a drastic improvement from five years earlier, when Arizona’s uninsured rate was 17.1%, Arizona’s uninsured rate is still above the national average of 8.9%.

Arizona Health Insurance Costs Overview

The cost of health insurance in Arizona will depend 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. 

The following premiums are calculated for the average 40-year-old.

How Much Does Health Insurance Cost in Arizona?

In 2020, the average monthly health insurance premium for a 40-year-old resident of Arizona is $436.

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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.

Cheapest Arizona Health Insurance Coverage by Metal Tier

Gold Plans

Gold health insurance plans are ideal for those with a significant number of health issues or medical needs, such as prescription medication. With gold plans, the premiums are therefore significantly higher than they are for other insurance tiers, but the out-of-pocket costs are lower.

Ambetter Secure Care 4
Estimated monthly premium: $438 a month

Deductible: $1,400

Out-of-pocket maximum: $5,750.

Silver Plans

Silver plans are the most popular insurance tier in Arizona. They are recommended for those of average health. If your income falls below 250% of the federal poverty level in Arizona, you may qualify for discounts toward deductibles, copayments, and coinsurance on silver health insurance plans. 

Ambetter Balanced Care 12 

Estimated monthly premium: $345. 

Deductible: $6,500
Out-of-pocket maximum: $8,150

Bronze Plans

Bronze plans have low premiums but high out-of-pocket costs and limited coverage. This tier is ideal for young and healthy individuals who have enough savings to cover high out-of-pocket costs in the event of a medical emergency. 

Ambetter Essential Care 2 HSA
Estimated monthly premium: $286
Deductible: $6,550
Out-of-pocket maximum: $6,550.

Arizona Health Insurance Costs by Occupation

What is the average cost of health insurance for a student in Arizona?

Adults in Arizona can keep their children on their insurance plan until they turn 26, even if they are married and do not live at home. 

Many post-secondary institutions offer health insurance to students in Arizona. At the University of Arizona, where Aetna Life Insurance Company underwrites health insurance packages, the cost ranges between $567 and $1,695, depending on the enrollment period. (Source)

What is the average cost of health insurance for self-employed people in Arizona?

Self-employed individuals in Arizona will not have access to the health insurance coverage provided by an employer. They must therefore purchase a plan for themselves or their families from a private carrier. The cost of this coverage will vary depending on individual and family needs. Please refer to our list of Cheapest Arizona Health Insurance Coverage by Metal Tier. 

What is the average cost of health insurance for small business owners in Arizona?

In Arizona, employers with 50 or more full-time employees are required to offer some form of health insurance benefit. Arizona businesses with fewer than 50 full-time employees are not required to provide health benefits to employees at this time.

Small business owners with less than 25 full-time employees, where the average annual wage is less than $50,000 may be eligible for a tax credit when they offer group health insurance to their employees. In these cases, the employer must contribute a minimum of 50% of employee coverage, and will be eligible for a federal tax credit for up to 50% of the premiums they pay towards employee medical, vision and dental insurance. Tax-exempt organizations may qualify for a tax credit of up to 35% of premium expenses, as well. 

Arizona Health Insurance Costs by Number of Participants

What is the average cost of health insurance for families in Arizona?

In Arizona, the cost of a Silver-tier health insurance plan for a family of four with two children under the age of 16, earning the average monthly income of $57,459, is $133 per month, which accounts for financial assistance offered to those at this income level of $1,116 per month. 

What is the average cost of health insurance for individuals in Arizona?

The cost of health insurance for an individual in Arizona will depend on their plan tier and any changes to personal health or existing health conditions. The average cost of health insurance for an individual in Arizona is currently $6,215 per person per year. (Source)

What is the average cost of health insurance for a child in Arizona?

In Arizona, uninsured children under 18 may qualify for insurance via the Arizona KidsCare program. The cost of insuring children with Arizona KidsCare is up to $50 per month for one child, or up to $70 a month regardless of the number of children being insured.

Families may also be able to insure their children using the Children’s Health Insurance Program (CHIP), which offers health insurance for children 18 years of age and under, whose family has an income too high for Medicaid, but who cannot afford private insurance. (Source)

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. Under the ACA, the maximum deductible for all catastrophic plans for 2020 is $8,550. 

 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 2019, 84% of private insurance enrollees received subsidies, and 48% received cost-sharing reductions. The average subsidy amount was $496, which reduced monthly premiums to an average of $112. 

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