2026 plan year · Arizona
2026 health insurance plans in Maricopa County, AZ
86 Marketplace plans from 7 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $484benchmark silver (age 40)
- $388cheapest bronze (age 40)
- 7insurers
- +30.3%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: BannerAetna. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $341 | $436 | $925 | $10,600 | $10,600 | No Charge after Deductible |
| Connect Bronze 7400 Indiv Med Deductible Cigna HealthCare of Arizona, Inc · HMO | $379 | $485 | $1,030 | $7,400 | $10,600 | 50% Coinsurance after deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Bronze Simple Oscar Health Plan, Inc. · HMO | $304 | $388 | $825 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $315 | $403 | $855 | $8,700 | $10,600 | No Charge |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. · HMO | $316 | $404 | $859 | $7,500 | $10,000 | $50 |
| Bronze Classic Standard Oscar Health Plan, Inc. · HMO | $319 | $407 | $865 | $7,500 | $10,000 | $50 |
| Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $323 | $413 | $878 | $8,700 | $10,600 | No Charge |
| Buena Salud Bronce Simple Para Diabetes Oscar Health Plan, Inc. · HMO | $324 | $414 | $880 | $5,500 | $10,150 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Plan, Inc. · HMO | $325 | $415 | $882 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. · HMO | $330 | $422 | $897 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. · HMO | $341 | $436 | $927 | $0 | $10,150 | $50 |
| Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $342 | $437 | $928 | $8,000 | $10,600 | No Charge |
| Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $351 | $448 | $951 | $8,000 | $10,600 | No Charge |
| Bronze Standard Antidote Health Plan of Arizona, Inc. · HMO | $351 | $449 | $953 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $359 | $459 | $974 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter from Arizona Complete Health · HMO | $368 | $471 | $1,000 | $8,450 | $10,150 | $40 |
| AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $369 | $472 | $1,002 | $10,150 | $10,150 | No Charge after Deductible |
| Standard Expanded Bronze Ambetter from Arizona Complete Health · HMO | $370 | $473 | $1,004 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $373 | $477 | $1,013 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $378 | $483 | $1,025 | $0 | $10,600 | $45 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $378 | $483 | $1,026 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $380 | $485 | $1,030 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $392 | $501 | $1,065 | $0 | $10,600 | $45 |
| AZ Blue StandardHealth Bronze Focus Blue Cross Blue Shield of Arizona · HMO | $394 | $504 | $1,069 | $7,500 | $10,000 | $50 |
| Connect Bronze CMS Standard Cigna HealthCare of Arizona, Inc · HMO | $397 | $508 | $1,078 | $7,500 | $10,000 | $50 |
| Connect Bronze 9500 Indiv Med Deductible Cigna HealthCare of Arizona, Inc · HMO | $398 | $509 | $1,081 | $9,500 | $9,500 | $60 |
| Choice Bronze HSA Ambetter from Arizona Complete Health · HMO | $400 | $511 | $1,086 | $7,250 | $7,250 | No Charge after Deductible |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $410 | $525 | $1,114 | $7,250 | $7,250 | No Charge after Deductible |
| AZ Blue Portfolio Bronze HSA Focus Blue Cross Blue Shield of Arizona · HMO | $440 | $562 | $1,194 | $7,100 | $7,100 | No Charge after Deductible |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Imperial Standard Silver Imperial Insurance Companies, Inc. · HMO | $369 | $472 | $1,002 | $6,000 | $8,900 | $40 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. · HMO | $379 | $484 | $1,028 | $7,500 | $9,500 | $10 |
| Silver Simple PCP Saver Oscar Health Plan, Inc. · HMO | $385 | $492 | $1,044 | $5,750 | $9,400 | $20 |
| Silver Classic Standard Oscar Health Plan, Inc. · HMO | $385 | $492 | $1,045 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Oscar Health Plan, Inc. · HMO | $391 | $499 | $1,060 | $6,500 | $10,000 | No Charge |
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $392 | $500 | $1,063 | $7,500 | $10,600 | No Charge |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. · HMO | $394 | $504 | $1,069 | $5,900 | $10,150 | No Charge |
| Silver Simple Specialist Saver with COPD Oscar Health Plan, Inc. · HMO | $395 | $504 | $1,071 | $6,500 | $9,600 | $35 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Plan, Inc. · HMO | $396 | $506 | $1,075 | $6,000 | $10,150 | No Charge |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $400 | $511 | $1,085 | $7,500 | $10,600 | No Charge |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona · HMO | $410 | $524 | $1,112 | $6,000 | $8,900 | $40 |
| Silver Elite Saver Plus Oscar Health Plan, Inc. · HMO | $416 | $532 | $1,130 | $0 | $8,500 | $80 |
| Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $425 | $543 | $1,153 | $6,500 | $10,600 | No Charge |
| Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $433 | $554 | $1,176 | $6,500 | $10,600 | No Charge |
| AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) Blue Cross Blue Shield of Arizona · HMO | $440 | $563 | $1,195 | $7,500 | $9,200 | $20 |
| UHC Silver Standard UnitedHealthcare · HMO | $447 | $572 | $1,214 | $6,000 | $8,900 | $40 |
| Standard Silver Ambetter from Arizona Complete Health · HMO | $448 | $572 | $1,215 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $449 | $573 | $1,218 | $4,500 | $10,150 | $12 |
| AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $451 | $576 | $1,224 | $7,200 | $7,200 | No Charge after Deductible |
| Complete Silver Ambetter from Arizona Complete Health · HMO | $453 | $578 | $1,228 | $5,950 | $8,850 | $30 |
| Silver Standard Antidote Health Plan of Arizona, Inc. · HMO | $458 | $585 | $1,243 | $6,000 | $8,900 | $40 |
| AZ Blue StandardHealth Silver Focus Blue Cross Blue Shield of Arizona · HMO | $459 | $587 | $1,246 | $6,000 | $8,900 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $459 | $587 | $1,247 | $6,000 | $8,900 | $40 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $459 | $587 | $1,247 | $0 | $10,600 | $30 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $463 | $592 | $1,256 | $4,500 | $10,150 | $12 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $464 | $594 | $1,260 | $5,950 | $8,850 | $30 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $474 | $605 | $1,286 | $0 | $10,600 | $30 |
| Connect Silver CMS Standard Cigna HealthCare of Arizona, Inc · HMO | $514 | $657 | $1,394 | $6,000 | $8,900 | $40 |
| Connect Silver 6100 Indiv Med Deductible Cigna HealthCare of Arizona, Inc · HMO | $514 | $657 | $1,396 | $6,100 | $8,500 | $20 |
| Connect Silver 4000 Indiv Med Deductible Cigna HealthCare of Arizona, Inc · HMO | $515 | $658 | $1,398 | $4,000 | $9,700 | $8 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Simple Oscar Health Plan, Inc. · HMO | $424 | $542 | $1,150 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Oscar Health Plan, Inc. · HMO | $427 | $545 | $1,158 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Oscar Health Plan, Inc. · HMO | $429 | $548 | $1,164 | $2,000 | $9,800 | No Charge |
| Gold Classic Oscar Health Plan, Inc. · HMO | $432 | $553 | $1,174 | $3,500 | $7,750 | $30 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. · HMO | $435 | $556 | $1,182 | $2,000 | $8,200 | $30 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. · HMO | $441 | $564 | $1,197 | $1,000 | $8,000 | $20 |
| Standard Gold Ambetter from Arizona Complete Health · HMO | $490 | $626 | $1,329 | $2,000 | $8,200 | $30 |
| Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $498 | $636 | $1,351 | $3,000 | $9,000 | No Charge |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $502 | $642 | $1,363 | $2,000 | $8,200 | $30 |
| Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. · HMO | $506 | $647 | $1,374 | $3,000 | $9,000 | No Charge |
| Complete Gold Ambetter from Arizona Complete Health · HMO | $511 | $652 | $1,386 | $1,450 | $7,500 | $15 |
| UHC Gold Standard UnitedHealthcare · HMO | $523 | $668 | $1,418 | $2,000 | $8,200 | $30 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $524 | $670 | $1,422 | $1,450 | $7,500 | $15 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $529 | $676 | $1,436 | $1,250 | $8,000 | $10 |
| Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $533 | $682 | $1,447 | $3,000 | $9,000 | No Charge |
| Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. · HMO | $542 | $692 | $1,470 | $3,000 | $9,000 | No Charge |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $544 | $695 | $1,475 | $1,250 | $8,000 | $10 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $544 | $695 | $1,476 | $0 | $7,800 | $15 |
| Elite Gold Ambetter from Arizona Complete Health · HMO | $551 | $704 | $1,496 | $0 | $6,500 | $5 |
| Gold Standard Antidote Health Plan of Arizona, Inc. · HMO | $563 | $719 | $1,528 | $2,000 | $8,200 | $30 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $566 | $723 | $1,535 | $0 | $6,500 | $5 |
| AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) Blue Cross Blue Shield of Arizona · HMO | $570 | $728 | $1,546 | $1,475 | $8,000 | $15 |
| Connect Gold 2500 Indiv Med Deductible Cigna HealthCare of Arizona, Inc · HMO | $580 | $741 | $1,574 | $2,500 | $8,200 | $5 |
| AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $582 | $744 | $1,580 | $4,800 | $4,800 | No Charge after Deductible |
| Connect Gold CMS Standard Cigna HealthCare of Arizona, Inc · HMO | $592 | $757 | $1,608 | $2,000 | $8,200 | $30 |
| AZ Blue StandardHealth Gold Focus Blue Cross Blue Shield of Arizona · HMO | $613 | $784 | $1,664 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Catastrophic Standard Antidote Health Plan of Arizona, Inc. · HMO | $277 | $354 | $751 | $10,600 | $10,600 | No Charge after Deductible |
Care quality in Maricopa County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Maricopa County.
Frequently asked questions
How many Marketplace health plans are available in Maricopa County, AZ for 2026?
86 plans from 7 insurers: Ambetter from Arizona Complete Health, Antidote Health Plan of Arizona, Inc., Blue Cross Blue Shield of Arizona, Cigna HealthCare of Arizona, Inc, Imperial Insurance Companies, Inc., Oscar Health Plan, Inc., UnitedHealthcare.
What is the benchmark silver plan premium in Maricopa County, AZ?
For 2026, the second-lowest-cost silver plan costs $484 a month for a 40-year-old before tax credits, up 30.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Maricopa County, AZ?
The lowest bronze premium for a 40-year-old is $388 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Maricopa County, AZ?
BannerAetna offered plans here in 2025 but doesn't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.