Find Affordable Coverage in Arizona
Licensed agents compare all Arizona Marketplace plans at no cost to you. See your subsidy in 2 minutes.
Compare Arizona ACA Plans →* Referral compensation may apply. Cost to you: $0.
Arizona ACA Marketplace Overview
In 2026, approximately 310,000 Arizona residents are enrolled in ACA Marketplace coverage. Arizona uses the federal exchange, Healthcare.gov for health insurance enrollment.
Arizona has expanded Medicaid under the ACA, meaning adults earning up to 138% FPL qualify for free or near-free coverage through Medicaid.
How Much Does ACA Coverage Cost in Arizona?
The benchmark Silver plan (second-lowest-cost Silver plan) in Arizona costs approximately $412/month before subsidies in 2026. However, most Arizona residents who qualify for premium tax credits pay significantly less.
- $0/month premium: Possible for Arizona households earning up to 150% of the Federal Poverty Level
- Low premiums: Households earning up to 400% FPL qualify for substantial subsidies
- Above 400% FPL: Still eligible if the benchmark plan exceeds 8.5% of household income
Use our ACA Subsidy Calculator to estimate your specific monthly costs based on your Arizona household income.
Top ACA Health Insurance Companies in Arizona
The following carriers offer ACA Marketplace plans in Arizona for 2026:
- Blue Cross Blue Shield
- Ambetter
- Oscar Health
Plan availability varies by county in Arizona. Use Healthcare.gov to see exact plans available in your ZIP code.
ACA Plan Tiers Available in Arizona
- Bronze: Lowest premiums, highest deductibles. Best for healthy Arizona residents who rarely need care.
- Silver: Mid-range. Strongly recommended for Arizona households earning 100–250% FPL — Silver plans unlock Cost-Sharing Reductions that significantly lower deductibles and copays.
- Gold: Higher premiums, lower out-of-pocket. Best for Arizona residents who use healthcare frequently.
- Platinum: Highest premium, lowest cost per service. Available in most Arizona counties.
When to Enroll in Arizona
- Open Enrollment: November 1 – January 15 on Healthcare.gov
- January 1 coverage: Enroll by December 15
- February 1 coverage: Enroll by January 15
- Special Enrollment: Available year-round if you lose job-based coverage, move, get married, or have a baby
Arizona Insurance Resources
- Healthcare.gov — Official Arizona enrollment portal
- Arizona Department of Insurance — Plan complaints and consumer protection
- Complete ACA Guide — Full explanation of ACA Marketplace rules
- Subsidy Calculator — Estimate your 2026 premium tax credit