Best Health Insurance Companies in Arizona (2023)

Health insurance can assist you in covering the costs of medical expenses such as a hospital stay or surgery. The insurance provider charges you a set monthly sum, known as a premium. The insurance will pay a portion of the fee if you need to see a doctor or head to the hospital.

Which are the best health insurance companies in Arizona? They are ranked based on treatment, prevention, and customer satisfaction, among other things. Companies with a diverse range of items are chosen, including major providers and several highly regarded regional firms.

Depending on the public vote for the 2020 edition of Ranking Arizona, the state’s largest and most thorough business opinion poll, these are Arizona’s top 10 health insurance companies.

What are the health care providers in Arizona?

Most health insurance policies fall into one of two categories: primary and secondary coverage.

HMO – Health maintenance organization: You must see in-network doctors and healthcare institutions if you have an HMO plan. When you have to see a specialist, you might need to select a primary care provider plus obtain a referral. Except for in emergencies, when you choose an out-of-network doctor, you’ll likely be paying the entire price out of pocket.

Preferred provider organization (PPO): Unlike HMOs, PPO plans do not require selecting a primary care physician. You have the option of seeing any health care practitioner you want. If you visit an in-network doctor or facility, you’ll likely get more coverage.

PPO policies are more expensive as compared to HMO plans. On the other hand, HMO plans normally require you to live within a specific service region. HMO plans are also less flexible than PPO policies.

Individual and Family Health Insurance Companies in Arizona

  • Ambetter from Arizona Complete Health
  • Blue Cross Blue Shield of Arizona
  • Banner Health and Aetna Health Plan Inc.
  • Bright HealthCare from Bright Health Company of Arizona
  • Cigna HealthCare of Arizona, Inc
  • Medica
  • Oscar Health Plan, Inc.
  • UnitedHealthcare

Which companies provide the best health insurance?

1. Blue Cross Blue Shield of Arizona

Blue Cross has many advantages. They have the collective potential to touch individuals in meaningful ways, whether it’s helping members receive care for chronic medical issues or acute illnesses or designing programs that encourage them to reside healthier lives. Blue Shield of Arizona is a proud member of the Arizona community, and they are dedicated to improving health in our home state. They’ve ‘grown up’ here as a business, and they’ve dedicated the last 80 years to working tirelessly to care for our Arizona neighbors and friends.

2. Cigna HealthCare of Arizona

3. UnitedHealthcare of Arizona

4. Aetna Health

5. Humana

6. Fortified Provider Network

7. Meritain Health Inc.

8. Thunderbird Family Medicine

9. Arizona Foundation for Medical Care

10. Avesis Incorporated

Which is the No 1 health insurance company in the USA?

Blue Cross Blue Shield of Arizona

Blue Cross Blue Shield of California ensures one out of every three Americans.

Blue Cross Blue Shield of Arizona (BCBSAZ) is committed to helping Arizonans achieve and maintain good health.

BlueCross BlueShield, one of the nation’s top networks, provides health insurance via local companies within most states.

The organization rates favourably amongst health insurance providers in areas such as coverage and benefits, physician selection, and client communication. J.D. Power ranks J.D. Power as one of the greatest providers in the Southwest in terms of overall satisfaction.

Does Arizona have good health insurance?

The price of health insurance in Arizona is influenced by the number of medical bills you want to be covered. The Arizona Insurance Exchange divides health insurance into 5 metal tiers: catastrophic, expanded Bronze, silver, and gold. Silver plans are frequently excellent if you seek a balance of premium pricing and coverage levels. Silver plans to price an average of $504 per month. Blue Cross Blue Shield of Arizona’s Blue AdvanceHealth Silver – PimaFocus Network plan is the lowest Silver health insurance plan throughout Arizona, with an average monthly cost of $330.

You’ll have to enrol in a commercial plan via Arizona’s Health Insurance Marketplace, except you qualify for government programs such as Medicaid or Medicare, or even if your employer offers medical coverage. There are numerous ideas to pick from across the various metal tiers, each with its expenses. Because they have larger deductibles and out-of-out maximums, plans with lower premiums often cost more out of cash when you require medical care.

The Cheapest Health Insurance in Arizona by Metal Tier

Metal levels or tiers are used to categorize health insurance policies in Arizona. The tiers influence how you and your insurance company split medical costs, but they have no bearing on the quality of care you receive.

In the Arizona Insurance Exchange, you can select between Catastrophic, Expanded Bronze, Bronze, Silver, and Gold plans. Bronze plans, for example, have a lower monthly premium but a higher out-of-pocket cost when medical care is required.

The price of health insurance within Arizona varies depending on the tier you are in, however on average, monthly premiums are:

  • Catastrophic: $369
  • Expanded Bronze: $418
  • Bronze: $404
  • Gold: $669
  • Silver: $504

The ideal health insurance plan for Arizona may differ depending on the amount of medical care you require. For some people, a Gold plan may be less expensive since, while you will pay a higher premium, you will spend less out of pocket because your insurance carrier will cover a bigger portion of your medical costs.

Silver plans are a wonderful deal if you opt for cost-sharing reductions (CSR), as the premiums are significantly lower. This may be available to low-income individuals and families.

The Most Affordable Health Insurance in Arizona, Organized by Age and Metal Tier

When determining rates, insurance companies consider a variety of factors in addition to the plan’s tier. Your age might significantly impact the price of health insurance within Arizona when you register for a plan.

The price difference between HMO plans for 26-year-olds and 60-year-olds is on average $600+. A Silver plan for a 26-year-old customer costs $404 per month. For insurance in the same metal tier, a 60-year-old buyer will pay an average of $1,070 per month.

In Arizona, the price of health insurance is directly proportionate to your age, so premiums will likely be higher as you become older. Choosing a plan from the lower levels, such as Bronze or Expanded Bronze, might result in a lower monthly charge, but the high deductibles in such plans could force you to spend more.

This plan pricing is based solely on hypothetical profiles. They don’t use data about you that is particular to you, like your income or age. They also don’t consider tax credits or other programs that older people might well be qualified for, lowering their costs. Applying for a plan is the easiest approach to acquiring an exact quote.

Health Insurance Rates in Arizona by County

Throughout most states, insurance carriers use rating regions to compute premiums, so where you reside impacts the price of health insurance within Arizona. When it comes to setting premiums inside these rating zones, counties use the same procedure.

There are 15 counties in Arizona, separated into seven rating zones. Oscar Silver Saver 2, with an average monthly premium of $381, is the lowest health insurance plan within Maricopa County, Arizona’s most populated county. Oscar Health Plan, Inc. is where you can get this plan.

Arizona’s cheapest health insurance has high out-of-pocket maximums

Obtaining a low-cost plan with such a high out-of-pocket limit can be a cheap health insurance choice in Arizona when you’re young and doesn’t require much medical care. If you require medical assistance, you may have to spend more out of pocket. However, the savings are offset by the low monthly cost.

Blue Cross Blue Shield

The cheapest health insurance plan throughout Arizona is Blue Cross Blue Shield of Arizona, which has high out-of-pocket maximums. This is, nevertheless, a Catastrophic plan that is not available to everyone.

You must be under 30 or have a hardship or budget exemption to be eligible for a Catastrophic plan. These plans offer a low-cost approach to ensure you’re covered in a worst-case situation, such as becoming very ill or wounded. Still, you’ll be responsible for ordinary medical bills.

Health Insurance in Arizona at a Low Cost With Low Out-of-Pocket Maximums

Health plans featuring low out-of-pocket maximums may be worth considering when your medical costs are higher than the average person’s. Because you consistently pay for doctor’s appointments plus prescription drugs, maintaining a smaller out-of-pocket maximum means you’ll approach your limit sooner, leading your insurer to cover costs sooner than other plans. The premium is the trade-off; these plans are typically more expensive per month.

Ambetter from Arizona Complete Health offers the best cheap health insurance in Arizona for 40-year-olds with a low out-of-pocket maximum. For just an average monthly charge of $483, they provide the Ambetter Balanced Care 25 HSA plan.

Is health insurance mandatory in Arizona?

Almost all Americans must have health insurance or face a penalty under the Affordable Care Act (ACA). The Affordable Care Act also mandates that certain companies, such as the State of Arizona, provide health insurance to full-time employees and their families.

Senior citizens and those with lesser incomes in Arizona might well be eligible for Medicaid or Medicare. These government-run healthcare programs are projected to be less expensive than private Marketplace plans. Qualifying for a plan on the Arizona Insurance Exchange might result in even lower prices because carriers evaluate other personal information, like tobacco usage and age plus income.


Your income level may help you locate more cheap health insurance throughout Arizona.The top 10 health insurance companies in Arizona are listed above. If your income is between 100 percent and 400 percent of the federal poverty level, you may be eligible for premium tax credits. In Arizona, a two-person household making between $17,420 and $69,680 per year qualifies. You can calculate potential savings using the calculator.

During open enrollment, which occurs between November and December per year, you can enroll in a new health insurance plan or extend a current one in Arizona.

FAQs- Frequently Asked Questions

Q1. What is the penalty for not getting health insurance within Arizona?

Ans. In 2021, there will be no tax penalty for not having health insurance, but there are significant disadvantages to being uninsured. In 2019, the Obamacare tax penalty was repealed. That implies you won’t be paying the penalty when you don’t have health insurance whenever you file the federal income taxes.

Q2. Are firms in Arizona required to even provide health insurance to their employees?

Ans. Employers with 50 or more full-time employees in Arizona must provide some health insurance. You are considered a huge employer after you have 50 employees. When you do not provide health insurance, you might face penalties.

Q3. What is the monthly cost of health insurance in Arizona?

Ans. For employees on a group plan, the yearly average cost of health insurance premiums in Arizona is $1,554 — about $130 per month. Employers cover premiums on average for $4,675 per year, or just about $390 each month. In Arizona, the average cost of a group health insurance plan is $6,229.

Q4. What is the process for obtaining health insurance in Arizona?

Ans. Please go to the Health-e-Arizona PLUS online application page to apply. An application form will be available to download immediately from the website. Check the Arizona Health Care Cost Containment System (AHCCCS) page for more information on the registration.

Q5. What Is Covered By Health Insurance?

Ans. Critical health benefits are ten types of health services that all insurance plans must cover, as per the Affordable Care Act. Pregnancy and delivery services, mental health services, preventative care, prescription drug coverage, outpatient hospital care, plus emergency treatments are just a few of the services available. Dental insurance must also include minors (adult dental coverage is optional).

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