2026 plan year · Arizona
2026 health insurance plans in Santa Cruz County, AZ
62 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $449benchmark silver (age 40)
- $375cheapest bronze (age 40)
- 5insurers
- +23%benchmark change vs. 2025
Insurer changes from 2025
- New here: UnitedHealthcare.
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 | $347 | $444 | $943 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Imperial Standard Bronze Imperial Insurance Companies, Inc. · HMO | $294 | $375 | $797 | $7,500 | $10,000 | $50 |
| Bronze Simple Oscar Health Plan, Inc. · HMO | $303 | $387 | $823 | $9,000 | $10,600 | 40% Coinsurance after deductible |
| Bronze Classic Standard Oscar Health Plan, Inc. · HMO | $318 | $406 | $863 | $7,500 | $10,000 | $50 |
| Buena Salud Bronce Simple Para Diabetes Oscar Health Plan, Inc. · HMO | $323 | $413 | $878 | $5,500 | $10,150 | $50 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Plan, Inc. · HMO | $324 | $414 | $880 | $5,500 | $10,150 | $50 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. · HMO | $330 | $421 | $895 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. · HMO | $341 | $435 | $925 | $0 | $10,150 | $50 |
| UHC Bronze Standard UnitedHealthcare · HMO | $366 | $467 | $993 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter from Arizona Complete Health · HMO | $367 | $469 | $996 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze Ambetter from Arizona Complete Health · HMO | $369 | $471 | $1,000 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $377 | $481 | $1,022 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $378 | $483 | $1,027 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare · HMO | $380 | $486 | $1,033 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $385 | $492 | $1,045 | $0 | $10,600 | $45 |
| Choice Bronze HSA Ambetter from Arizona Complete Health · HMO | $399 | $509 | $1,082 | $7,250 | $7,250 | No Charge after Deductible |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $400 | $511 | $1,085 | $0 | $10,600 | $45 |
| AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $400 | $511 | $1,086 | $10,150 | $10,150 | No Charge after Deductible |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $409 | $523 | $1,110 | $7,250 | $7,250 | No Charge after Deductible |
| AZ Blue StandardHealth Bronze Focus Blue Cross Blue Shield of Arizona · HMO | $427 | $545 | $1,158 | $7,500 | $10,000 | $50 |
| AZ Blue Portfolio Bronze HSA Focus Blue Cross Blue Shield of Arizona · HMO | $477 | $609 | $1,294 | $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 | $343 | $438 | $930 | $6,000 | $8,900 | $40 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. · HMO | $351 | $449 | $953 | $7,500 | $9,500 | $10 |
| Silver Simple PCP Saver Oscar Health Plan, Inc. · HMO | $384 | $491 | $1,042 | $5,750 | $9,400 | $20 |
| Silver Classic Standard Oscar Health Plan, Inc. · HMO | $384 | $491 | $1,043 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Oscar Health Plan, Inc. · HMO | $390 | $498 | $1,058 | $6,500 | $10,000 | No Charge |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona · HMO | $392 | $501 | $1,063 | $6,000 | $8,900 | $40 |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. · HMO | $393 | $502 | $1,067 | $5,900 | $10,150 | No Charge |
| Silver Simple Specialist Saver with COPD Oscar Health Plan, Inc. · HMO | $394 | $503 | $1,069 | $6,500 | $9,600 | $35 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Plan, Inc. · HMO | $395 | $505 | $1,072 | $6,000 | $10,150 | No Charge |
| Silver Elite Saver Plus Oscar Health Plan, Inc. · HMO | $415 | $531 | $1,127 | $0 | $8,500 | $80 |
| Standard Silver Ambetter from Arizona Complete Health · HMO | $446 | $570 | $1,211 | $6,000 | $8,900 | $40 |
| Complete Silver Ambetter from Arizona Complete Health · HMO | $451 | $576 | $1,224 | $5,950 | $8,850 | $30 |
| UHC Silver Standard UnitedHealthcare · HMO | $456 | $583 | $1,238 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare · HMO | $457 | $584 | $1,241 | $4,500 | $10,150 | $12 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $458 | $585 | $1,242 | $6,000 | $8,900 | $40 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $463 | $591 | $1,256 | $5,950 | $8,850 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare · HMO | $468 | $598 | $1,271 | $0 | $10,600 | $30 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $472 | $603 | $1,280 | $4,500 | $10,150 | $12 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare · HMO | $483 | $617 | $1,310 | $0 | $10,600 | $30 |
| AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $528 | $674 | $1,432 | $7,200 | $7,200 | No Charge after Deductible |
| AZ Blue StandardHealth Silver Focus Blue Cross Blue Shield of Arizona · HMO | $537 | $687 | $1,458 | $6,000 | $8,900 | $40 |
| AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona · HMO | $543 | $694 | $1,473 | $7,500 | $9,200 | $20 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Imperial Standard Gold Imperial Insurance Companies, Inc. · HMO | $404 | $516 | $1,096 | $2,000 | $8,200 | $30 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. · HMO | $409 | $523 | $1,111 | $1,000 | $8,000 | $20 |
| Gold Simple Oscar Health Plan, Inc. · HMO | $423 | $540 | $1,147 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Oscar Health Plan, Inc. · HMO | $426 | $544 | $1,155 | $2,000 | $8,200 | $30 |
| Gold Simple Diabetes Oscar Health Plan, Inc. · HMO | $428 | $547 | $1,161 | $2,000 | $9,800 | No Charge |
| Gold Classic Oscar Health Plan, Inc. · HMO | $431 | $551 | $1,171 | $3,500 | $7,750 | $30 |
| Standard Gold Ambetter from Arizona Complete Health · HMO | $488 | $623 | $1,324 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $501 | $640 | $1,358 | $2,000 | $8,200 | $30 |
| Complete Gold Ambetter from Arizona Complete Health · HMO | $509 | $650 | $1,381 | $1,450 | $7,500 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $522 | $667 | $1,417 | $1,450 | $7,500 | $15 |
| UHC Gold Standard UnitedHealthcare · HMO | $532 | $681 | $1,445 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $539 | $689 | $1,464 | $1,250 | $8,000 | $10 |
| Elite Gold Ambetter from Arizona Complete Health · HMO | $549 | $702 | $1,490 | $0 | $6,500 | $5 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare · HMO | $554 | $708 | $1,504 | $1,250 | $8,000 | $10 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare · HMO | $554 | $708 | $1,504 | $0 | $7,800 | $15 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health · HMO | $564 | $720 | $1,529 | $0 | $6,500 | $5 |
| AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona · HMO | $631 | $806 | $1,712 | $4,800 | $4,800 | No Charge after Deductible |
| AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona · HMO | $650 | $830 | $1,763 | $1,475 | $8,000 | $15 |
| AZ Blue StandardHealth Gold Focus Blue Cross Blue Shield of Arizona · HMO | $664 | $849 | $1,802 | $2,000 | $8,200 | $30 |
Care quality in Santa Cruz 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 Santa Cruz County.
Frequently asked questions
How many Marketplace health plans are available in Santa Cruz County, AZ for 2026?
62 plans from 5 insurers: Ambetter from Arizona Complete Health, Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc., Oscar Health Plan, Inc., UnitedHealthcare.
What is the benchmark silver plan premium in Santa Cruz County, AZ?
For 2026, the second-lowest-cost silver plan costs $449 a month for a 40-year-old before tax credits, up 23% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Santa Cruz County, AZ?
The lowest bronze premium for a 40-year-old is $375 a month before tax credits. Bronze plans have low premiums but high deductibles.