Best Health Insurance in Arizona (2024 Plans)

Finding the best and most affordable health insurance options in Arizona can be overwhelming. With so many providers, it’s hard to decide the best health insurance in Arizona. But fear not fellow Arizonans! We’ve compiled a comprehensive guide to help you find the perfect plan to meet your healthcare needs and budget.

This comprehensive guide will guide you to the best and most budget-friendly health insurance plan in Arizona. So, dust off your cowboy hat, and let’s explore!

Cheapest Health Insurance in Arizona by Metal Tier

Health insurance premiums are affected by the plan’s metal tier, with each tier reflecting a distinct balance between monthly expenses and out-of-pocket costs for healthcare services.

Below, you’ll find Arizona’s most cost-effective health insurance plans from each metal tier:

Cheapest Bronze Plans in Arizona

Offering the lowest monthly premiums, these plans cover preventive care but have high deductibles and out-of-pocket costs. Consider them if you’re generally healthy and rarely utilize healthcare services.

  • Ambetter from Arizona Complete Health: Starting at $335/month
  • UnitedHealthcare: Starting at $380/month
  • Blue Cross Blue Shield: Starting at $407/month

Bronze plans cater to those prioritizing security against major medical events over routine healthcare expenses. With lower monthly premiums and higher out-of-pocket costs, they suit individuals expecting minimal medical needs, ensuring coverage for essential health benefits and major emergencies.

Cheapest Silver Plans in Arizona

Silver plans offer a great choice for individuals seeking basic care, as they strike a balance between monthly premiums and out-of-pocket expenses. For customers with lower incomes, cost-sharing reductions (CSRs) can substantially lower deductibles, copayments, and coinsurance with Silver plans.

A good balance between affordability and coverage, Silver plans cover more than Bronze plans and offer subsidies based on income.

  • Oscar: Starting at $348/month
  • Ambetter from Arizona Complete Health: Starting at $370/month
  • UnitedHealthcare: Starting at $380/month

Cheapest Gold Plans in Arizona

The cheapest Gold tier health plan in Arizona is offered by Kaiser Permanente, with a monthly cost of $311.

With higher premiums but considerably lower deductibles and out-of-pocket costs, Gold plans offer comprehensive coverage for those who utilize healthcare more frequently.

The three most affordable Gold plans in Arizona are:

  • Kaiser Permanente: Starting at $311/month
  • Ambetter from Arizona Complete Health: Starting at $582/month
  • UnitedHealthcare: Starting at $597/month

Gold plans suit individuals expecting substantial medical needs, including frequent care, prescriptions, specialist visits, or chronic condition management. Despite higher monthly premiums, they provide lower out-of-pocket costs for accessing healthcare services.

Cheapest Platinum Plans in Arizona

The cheapest Platinum tier health plan in Arizona is offered by Kaiser Permanente, with a monthly cost of $429.

The three most affordable Gold plans in Arizona are:

  • Kaiser Permanente (starting at $435/month)
  • Blue Cross Blue Shield (starting at $599/month)
  • UnitedHealthcare (starting at $661/month)

Cheapest Expanded Bronze Plans in Arizona

Are you income-eligible and seeking enhanced Bronze coverage? These plans offer lower deductibles and out-of-pocket costs compared to traditional Bronze plans, while maintaining affordable premiums.

  • Ambetter from Arizona Complete Health (starting at $528/month)
  • UnitedHealthcare (starting at $528/month)

Cheapest Catastrophic Plans in Arizona

Are you a young adult or facing financial hardship? Catastrophic plans provide limited coverage at rock-bottom prices but remember, high deductibles await.

  • Ambetter from Arizona Complete Health (starting at $223/month)
  • UnitedHealthcare (starting at $246/month)

Cheapest Health Insurance in Arizona for Those With Low-Income

In Arizona, those earning up to 250% of the Federal Poverty Level may be eligible for cost-sharing reductions (CSRs), which lower out-of-pocket healthcare expenses. CSRs are exclusive to Silver plans, and eligibility depends on income and household size.

The most economical Silver plan for Arizonans earning between $14,580 and $21,870 annually is the Blue AdvanceHealth Silver – PimaFocus Network from Blue Cross Blue Shield, featuring a maximum out-of-pocket expense of $600.

If you have a limited income, you might qualify for subsidies that significantly reduce your monthly premium. Additionally, consider:

  • Medicaid: This government program provides free or low-cost health coverage to eligible individuals and families.
  • AHCCCS (Arizona Health Care Cost Containment System): Arizona’s Medicaid program.

Conclusion

With numerous health insurance options available in Arizona, finding the best and cheapest plan can seem daunting. However, by utilizing our guide and comparing plans by metal tier, income level, and county, you can secure quality coverage at an affordable price.

Don’t wait any longer—take the first step towards protecting your health and financial well-being today!

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