Health insurance for Arizonans who buy their own.
We help Arizonans who buy their own health coverage, whether you left a job, work for yourself or retired before 65, compare Marketplace plans, AHCCCS eligibility and other options in plain terms.
Arizona plans we compare
What’s different about health insurance in Arizona.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Arizona FAQ- Arizona uses the federal Marketplace. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and you must choose by December 15 for a January 1 start.
- The extra federal premium help ended after 2025. If your household income is above 400% of the federal poverty level, you get no premium tax credit in 2026.
- Seven insurers sell Marketplace plans in 2026, but Cigna leaves at the end of 2026 and Aetna left at the end of 2025.
- Insurers have asked for 2027 increases of roughly 25% to 34%, except Antidote at about 3%. Final 2027 rates come out before open enrollment.
- AHCCCS covers adults up to about 138% of the poverty level. New work and six-month renewal rules start January 1, 2027.
- Small employers under 20 workers must offer up to 18 months of state continuation coverage, and short-term plans can last up to 36 months here.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Arizona's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Arizona, and what to use instead.
Learn moreWho sells plans in Arizona
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Arizona FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15, 2026 if you want coverage to start January 1. After January 15, you need a qualifying life event, such as losing other coverage, to enroll.
No. Arizona uses the federal Marketplace at HealthCare.gov. You can apply there directly or work with a licensed agent who can compare Marketplace plans for you.
Two things happened at once. Full-price premiums rose a weighted average of 46.3%, and the extra federal premium tax credits ended after 2025. The average amount Arizona enrollees paid after subsidies went from $113 a month in 2025 to $229 in 2026.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Arizona county, check your subsidy, and walk you through the options. No cost, no obligation.