Health insurance in Arizona is sold through Federal (Healthcare.gov), with an estimated 60-95 plans available for 2026. The average Silver-tier premium is $440/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$440/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 60-95 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Arizona's ACA marketplace has grown more competitive over the past several years, with plan counts climbing to the 60–95 range statewide. Phoenix and Tucson metro areas offer robust carrier competition including BCBS of Arizona, Ambetter, and UnitedHealthcare. Rural counties in northern Arizona — particularly those serving tribal communities — face narrower networks and fewer plan options. Average Silver premiums for a 40-year-old run approximately $430–$460/month before subsidies, placing Arizona in a mid-tier pricing range nationally.
Arizona expanded Medicaid (AHCCCS) in 2013, becoming one of the earlier Republican-led states to do so. AHCCCS covers adults up to 138% FPL, and the program's managed care model has been relatively well-regarded for cost control. The state uses Healthcare.gov for enrollment and does not operate an independent exchange. Arizona has no state reinsurance program, and CSR funding flows through the federal mechanism. The state's large Hispanic and Native American populations face specific outreach and language-access challenges in marketplace enrollment.
Leading 2026 ACA carriers in Arizona: Blue Cross Blue Shield of Arizona, Ambetter (Centene), UnitedHealthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Arizona restored Medicaid expansion in 2013 after brief repeal; the AHCCCS program covers a broad low-income population.
Arizona expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Arizona Pro Tip
Arizona uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Arizona typically pays around $430–$460/month for a Silver plan before subsidies, though this varies by county.
Yes. Arizona (AHCCCS) expanded Medicaid in 2013. Adults earning up to 138% of the federal poverty level are generally eligible.
Marketplace data sourced from state and federal exchange filings for Arizona, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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