Affordable Health Insurance in Arizona: get a free quote now

By: Darla J. Christy
Updated: November 2, 2022
health insurance in arizona

Finding affordable health insurance in Arizona can be challenging. As the cost of healthcare increases, consumers are looking for ways to save money. One way to lower your healthcare expenses is through health insurance.

Health insurance plans vary widely in price and coverage. Finding affordable health insurance in Arizona is easier said than done.

Several websites offer free quotes. These sites allow you to compare prices and plan options. So here at NewHealthInsurance you can pick up your coverage within an hour.

 

What Is AHCCCS Health Insurance?

Families and children in Arizona can take advantage of many free or low-cost medical care programs through the Medicaid organization in Arizona, the Arizona Health Care Cost Containment System (AHCCCS).

All program members must be US residents or eligible non-citizens to participate.

Below are descriptions of each program:

Low-income pregnant women and children under 18 are covered by S.O.B.R.A. for medical care, including doctor visits, hospital stays, medicines, lab work, x-rays, and behavioral health treatments.

AHCCCS for Families with Children offers families medical coverage, x-rays, Medications, doctor’s visits, Lab work, and behavioral health therapies. To apply, a household must have a child under 18 and a net income below the federal poverty level.

Low-income individuals and couples can receive health coverage through the AHCCCS Care plan, which covers hospital stays, doctor visits, prescription drugs, lab tests, x-rays, and behavioral health treatments.

Medicare Part A or B deductibles, copay, and threshold payments are covered for eligible seniors under the AHCCCS for Medicare Beneficiaries scheme.

The AHCCCS for seniors or individuals with a Disability program covers medical expenses for the elderly and those with disabilities, including hospital stays, health treatments, doctor visits, lab tests, x-rays, prescription drugs, and mental or nursing and home care.

 

Individual Health Insurance in Arizona

However, you should compare the cheap subscription to other expenses if you suffer from a chronic illness.

If you need regular medical treatment, a $350 monthly plan with a $500 threshold would better fit your budget than a $250 prepaid subscription with a $5,000 maximum.

You might have access to more specialists or excellent prescription drug coverage with a more expensive plan. Before choosing a plan, you should be aware of how each type of plan differs from the others:

  • Plans from health maintenance organizations (HMOs)
  • Plans for point-of-service (POS)
  • Organizations that are preferred by clients (PPOs)

Plans from health maintenance organizations (HMOs)

Despite having higher care restrictions, HMO plans have cheaper insurance. To qualify for insurance, you must only visit nearby physicians who are part of the network and obtain a recommendation before seeing a specialist.

Plans for point-of-service (POS)

The expert of your preference can be seen under PPO health care plans without prior approval. PPOs do provide nationwide coverage and benefits outside of their network. A PPO will probably cost more in premiums than an HMO, too.

Organizations that are preferred by clients (PPOs)

POS policies compound the benefits and drawbacks of PPOs and HMOs.

If you’re prepared to spend a little bit extra, you can still see out-of-network specialists, but you still need a referral to see a specialist.

Check out PPO, POS, and HMO reviews before signing up for insurance.

Family Health Insurance in Arizona

When you buy coverage for your whole family, there are additional factors to think about. Do any family members require access to more extensive services? Your coverage or plan may change if you discover that your family members require continuing care.

A lower deductible plan can help if you pay more. You manage your family’s healthcare bills if you require regular access to medical care.

If you have a high deductible that you must pay before receiving benefits, paying less in monthly premiums can end up costing you more in the long run.

When choosing between a PPO, HMO, or POS plan, consider whether you want more control over your doctors and specialists.

 

Short-term Health Insurance in Arizona

If you’ve recently relocated, are awaiting enrollment on a new employer’s plan, or lost your job, otherwise switching supplement health insurance coverage, temporary health insurance policies can be helpful for them.

These plans may not meet the requirements for necessary basic coverage because previous problems may disqualify you from membership, and premiums may be affected by your medical history. Arizona permits up to three renewals and one-year periods for short-term plans.

If you’re receiving care for any of the following conditions, coverage can be refused:

  • Heart disease
  • Seizures
  • Autoimmune disorders
  • Cancer
  • COPD
  • Congestive heart failure
  • Kidney disease
  • Asthma

 

The Average Cost of Health Insurance in Arizona

health insurance in arizona

According to the most current information available, the average health insurance cost in the province of Arizona is $6,215 per individual. The equivalent amount for a 4-person family is $24,860.

The nationwide average for coverage for health insurance is $766 less per individual than this. Based on monthly premiums, yearly premiums, and copayments, the Health Insurance Exchange divides products into four categories. Platinum, Silver, Bronze, and Gold are the four levels.

 

premiums in Arizona on average 2019 2020 2021 2022
Most affordable Silver Plan $452 $435 $418 $383  
Most affordable Bronze Plan $359 $363 $342 $314  
Most affordable Gold Plan $592 $579 $553 $500

 

Who Qualifies for the Arizona Medical Assistance Program?

The Arizona Health Care Cost Solution Provider is the name of the state of Arizona’s Medicaid program (AHCCCS).

Obamacare and KidsCare are two govt. funded health care programs operated by AHCCCS that help low-income citizens in Arizona obtain health insurance.

Obamacare covers dental insurance for kids as well. Your income, the number of people living in your home, their ages, and whether you have a disability or are providing healthcare for one will all play a role in determining your eligibility.

You must have a low income and one of the additional requirements listed below in order to be eligible for Medicaid in Arizona:

  • Having a disability, such as blindness
  • Providing for one or more kids
  • Taking care of a disabled individual
  • 65 years or older
  • Pregnant
  • Have been confirmed to have precancerous lesions, breast cancer, or cervical cancer

The annual income requirement for those applying for Obamacare is $17,131, but it rises if other people are living in your family. For instance, your annual income for a three-person family cannot be more than $29,207.

Even before the baby is delivered, being pregnant enables you to include a new member in your family income calculation.

You have two options for applying for Arizona Medicaid: either through the Marketplace for Health Insurance or the online application portal.

 

Best and Affordable Health Insurance Companies in Arizona

Blue Cross and Blue Shield of Arizona, Inc. provides the most affordable Silver plans in 11 Arizona districts. Depending on where you reside and the availability of particular providers, you might not be able to compare health plans from various companies if you want to do so.

There is only one insurance provider in the state, Blue Cross Blue Shield of Arizona.

  • On the Arizona health exchange for 2022, there are six health insurance providers:
  • Blue Cross and Blue Shield of Arizona, Inc.
  • Health Net of Arizona, Inc. (Ambetter from Arizona Complete Health)
  • Oscar Health Plan, Inc.
  • UnitedHealthcare of Arizona, Inc
  • Cigna HealthCare of Arizona, Inc
  • Bright Health Company of Arizona
  • Health Net of Arizona, Inc. (Ambetter from Arizona Complete Health)

 

Lowest-Cost Health Insurance Plans According to Metal Tier

The metal tiers used to categorize the health insurance plans available on the Arizona exchange show the benefits of each program and its premiums and out-of-pocket expenses.

We examined every policy available in each metal category on the Arizona exchange to help you locate a low-cost health insurance plan for yourself.

Although not all of these health insurance plans are available in each state, we advise using for them to gain a sense of the costs and advantages of each insurance tier.

 

Metal tier Cheapest plan Monthly cost Deduction Maximum out-of-pocket
Gold Gold 1000 Direct $446 $1,000 $8,700
Silver Silver 4000 Direct  

 

$301

 

 

$4,000

 

 

$8,700

Catastrophic Bright Health Catastrophic 8700 Direct  

 

$233

            $8,700    

 

    $8,700       

Bronze Expanded Bronze 8700 + $0 Mental Health Direct             

 

$247

 

 

$8,700

 

 

$8,700

Bronze Health Net/Ambetter Essential Care 1 $518 $8,600 $8,600

 

 

 

In addition to your age, the policy you select, and the number of people covered, the

price of a health care plan will differ. In Arizona, the price of a health coverage policy is, as you can see below, 22 percent less expensive for a 21-year-old compared to a 40-year-old.

This amounts to a monthly savings of $125 for the typical Silver plan. Conversely, a 60-year-old would be required to pay $648 more each month to receive the same level of insurance as a 40-year-old.

 

Affordable Health Insurance in Arizona

You might be able to get coverage for health care in Arizona if your economic status is less than 138 percent of the federal poverty line.

For individuals who don’t meet the requirements, the best affordable health insurance plan offered through the Arizona marketplace will be determined by your county of residence, household income, and anticipated medical costs.

There are several health plans available depending on the county. An Apache resident might have different coverage possibilities than a Pima resident.

You can select between many metal tier health plans, each of which has advantages and disadvantages, within a specific Arizona county.

  • Gold plans
  • Silver plans
  • Bronze and Catastrophic plans

Gold Plans

Even though Gold health coverage has the highest premium costs on average, they’re approximately 20percentage points more expensive than Silver plans in Arizona—your indirect expenses will be significantly smaller.

Gold health plans are ideal for those with high expected medical costs because they include the lowest expense components, such as premiums, co-payments, and coinsurance.

For instance, if you frequently need prescription drugs, you’ll probably discover that Gold plans have the lowest out-of-pocket costs.

Sliver plans

If you belong to a low-income family, one of these policies is probably the best affordable health coverage plan because silver plans are eligible for a premium reduction.

A suitable compromise between Bronze plans and Gold and Silver insurance combine’s extremely affordable payments without costs if you require medical attention.

Bronze and Catastrophic plans

Only individuals under 30 or those who satisfy specific criteria are eligible for catastrophic insurance plans; however, we would only advise these policies for those who are relatively young and in good health.

Similarly, a Bronze plan will probably be the best cheap health insurance option if your expected medical expenses are low and you can afford the high out-of-pocket charges if you require treatment.

 

Methodology

The Centers for Medicare & Medicaid Services website served as the source for the data on Arizona rates for health insurance used in this analysis.

NewHealthInsurance.com calculated the average premium across a number of variables, including metal tier, county, and family size, using the CMS Public Use Files.

In our research, we used the plans and providers for which the CMS Zebra crossing file contained province data; those who were left out of this data might not be visible.

 

Health Insurance in Arizona FAQs

What is usually the cheapest way to get health insurance?

Although Medicaid is the most affordable choice, there are several other plans you can choose from if you don’t qualify. Taxpayer subsidies were introduced by the Affordable Care Act (ACA) to finance programs through an exchange called the Health Insurance Exchange.

Does Arizona have affordable health care? 

Arizona requires citizens to have a minimum level of coverage for health insurance by federal law, the Affordable Care Act. The market for health insurance may be practical for many Arizona residents to buy affordable insurance.

How much is health insurance in Arizona per month? 

Arizona’s average monthly premium for health insurance is $503. Costs have increased by 5% since the plan year 2021 as a result.

Is HealthCare affordable in Arizona?

Arizonans pay $503 per month on average for health insurance. With this, costs have increased by 5 percent from the plan year of 2021.

Blue AdvanceHealth Silver: Neighborhood Network, the lowest premium in 11 out of 15 Arizona regions, is the least expensive Silver health insurance plan in most of Arizona.

Arizona’s average monthly premium for health insurance

Costs have increased by 5% since the 2021 plan year. Blue AdvanceHealth Silver – Neighborhood Network, which has the lowest price in 11 of 15 Arizona areas, is the cheapest Silver health insurance plan in most of Arizona.

Does AZ have free health insurance? 

On average, Arizonans should budget $454 per person for a significant medical individual health insurance plan. Costs will vary; if your health is good, your insurance can be cheaper.

What is the income limit for AHCCCS in AZ?

Suppose your family’s income is at or below 138 percent of the Federal Poverty Standards ($18,754 for a person in 2022, $38,295 for a family of four). In that case, you and your family are often eligible for AHCCCS.

Is health insurance expensive in Arizona?

A major medical individual health insurance plan will cost Arizona residents $454 per person. Costs will vary, and if your health is good, your insurance might be lower.

What is the cheapest health insurance right now? 

Although Medicaid is the most affordable choice, there are several other plans you can choose from if you don’t qualify. Taxpayer subsidies were established by the Affordable Care Act (ACA) to finance insurance plans through an exchange known as the Marketplace for Health Insurance.

How do you get health insurance in Arizona?

If they suffer a qualifying life event, Arizona residents may enroll throughout the enrollment period or a particular registration period in plans offered by private providers or through the federal exchange.

 

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