Haris Ashley
Arizona's health insurance marketplace is a federally-run marketplace that offers residents a range of health insurance options. Individuals and families can shop for health insurance plans on HealthCare.gov, which is Arizona's official health insurance marketplace. Eight private insurance companies offered coverage through Arizona's health insurance marketplace for 2025, with varying coverage areas. These companies include Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., and Antidote Health Plan, which was new for 2025. Arizona's open enrollment period for ACA Marketplace individual and family health plans typically runs from November 1 to January 15.
| Characteristics | Values |
|---|---|
| Number of private insurance companies offering coverage through Arizona's health insurance marketplace in 2025 | 8 |
| Number of insurers in the Arizona marketplace in 2024 | 8 |
| Insurer leaving the Arizona marketplace at the end of 2024 | Medica |
| New insurer for 2025 | Antidote Health Plan |
| Website to enroll members of your household in dental coverage | Health Insurance Marketplace website at HealthCare.gov |
| Phone number to apply by phone | (800) 318-2596 |
| Phone number to connect with an assister or agent/broker | (800) 377-3536 |
| Website to find a local agent or broker | localhelp.healthcare.gov |
| Insurance company offering health insurance plans in Arizona | Cigna Healthcare |
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What You'll Learn
- Eight private insurance companies offer coverage through Arizona's health insurance marketplace
- Cigna Health and Life Insurance Company offers individual and family medical and dental insurance plans
- Arizona uses the federally-facilitated marketplace, so residents enrol through HealthCare.gov
- Arizona's open enrolment period for ACA Marketplace health plans is between November 1 and January 15
- If you lose AHCCCS or KidsCare coverage, you can enrol through the extended SEP
Eight private insurance companies offer coverage through Arizona's health insurance marketplace
Arizona residents can enrol in health insurance plans through HealthCare.gov, the federally-facilitated Marketplace. Eight private insurance companies offered coverage through Arizona's health insurance Marketplace in 2025, with varying coverage areas. These companies include Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by the Connecticut General Life Insurance Company (CGLIC) or their affiliates.
The Arizona Health Insurance Marketplace offers financial assistance to those who qualify based on their household income. To be eligible, individuals must not have access to affordable employer-sponsored coverage, be enrolled in Medicare, or be eligible for AHCCCS (Medicaid) or KidsCare (CHIP). The open enrollment period for ACA Marketplace individual and family health plans is between November 1 and January 15, with coverage starting on January 1 if enrolled by December 15.
For those who missed the open enrollment deadline, a Special Enrollment Period (SEP) may be available if a qualifying life event has occurred. Additionally, short-term health insurance is an option for those seeking a more budget-friendly choice or who are ineligible for Marketplace subsidies or Medicaid. Arizona also provides resources for comparing major medical health insurance plans and understanding different coverage options, such as dental insurance.
It is worth noting that there were eight insurers in the Arizona Marketplace in 2024, but Medica exited the market at the end of that year, while Antidote Health Plan joined for 2025.
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Cigna Health and Life Insurance Company offers individual and family medical and dental insurance plans
Cigna's individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., and Cigna HealthCare of Texas, Inc. In Texas, the insured dental product offered by CGLIC and CHLIC is referred to as the Cigna Dental Choice Plan, which utilizes the national Cigna Dental PPO Network.
Cigna Healthcare offers a range of health insurance plans, including medical and dental insurance to individuals, employers, and international health insurance. Cigna also offers Medicare coverage, with plans for those who are ineligible for Medicare or Medicaid. In Utah, all products and services are provided by Cigna Health and Life Insurance Company, and supplemental policies are insured by Loyal American Life Insurance Company.
Cigna's Take Control Rewards Program is available to all primary subscribers who are active Cigna Healthcare medical Individual and Family Plan policyholders aged 18 years or older. This program offers rewards that may be considered taxable income, and participants must have qualifying, fully paid premiums. Cigna also offers Healthy Rewards programs, which are not insurance plans but rather provide discounts on certain goods and services.
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Arizona uses the federally-facilitated marketplace, so residents enrol through HealthCare.gov
Arizona residents can enrol in health insurance plans through HealthCare.gov, as Arizona uses the federally-facilitated marketplace. This means that residents can compare major medical health insurance plans and enrol through the HealthCare.gov website.
There are several ways to enrol in a Marketplace health plan in Arizona. Firstly, you can enrol online through HealthCare.gov. Secondly, you can enrol by phone by calling the Health Insurance Marketplace at (800) 318-2596. Thirdly, you can enrol with the assistance of a local agent/broker, navigator, or certified application counsellor. Finally, you can enrol through an approved enhanced direct enrollment entity (EDE).
The Arizona Health Insurance Marketplace offers two different types of income-based subsidies: premium subsidies and cost-sharing subsidies. Premium subsidies are based on household income, and cost-sharing subsidies are available for those with incomes up to 250% of the federal poverty level.
Arizona's open enrollment period for ACA Marketplace individual and family health plans is between November 1 and January 15. If you want your coverage to begin on January 1, you must enrol by December 15. If you sign up between December 16 and January 15, your coverage will start on February 1.
Eight private insurance companies offered coverage through Arizona's health insurance marketplace for 2025, with varying coverage areas. These companies include Cigna HealthCare of Arizona, Inc. and Antidote Health Plan.
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Arizona's open enrolment period for ACA Marketplace health plans is between November 1 and January 15
During the open enrolment period for 2024 coverage, 348,055 people signed up for private health plans through Arizona's exchange. This was a record high, driven by enhanced premium subsidies and the "unwinding" of the pandemic-era Medicaid continuous coverage rule.
The Affordable Care Act (ACA) established state-based Health Insurance Marketplaces, offering a range of insurance plans, often with subsidies to aid lower-income individuals and families. ACA plans may be available with a tax credit, which can save hundreds or thousands of dollars on monthly premiums. Arizona Marketplace subsidies, also known as premium tax credits, are available to help lower the cost of ACA Marketplace health insurance. In fact, about 90% of ACA Marketplace health insurance enrollees in Arizona receive some level of financial assistance based on their income.
If you want your coverage to begin on January 1, you must enrol by December 15. If you sign up between December 16 and January 15, your coverage will start on February 1. If you miss the open enrolment deadline, you may still be able to sign up for or make changes to an ACA Marketplace health plan through a special enrolment period (SEP). To qualify for a SEP, you'll generally need to have experienced a qualifying life event, such as losing other coverage, getting married, or having a baby.
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If you lose AHCCCS or KidsCare coverage, you can enrol through the extended SEP
Arizona's health insurance marketplace is a federally facilitated marketplace, with residents enrolling through HealthCare.gov. Eight private insurance companies offered coverage through Arizona's health insurance marketplace for 2025, with varying coverage areas. These companies include Medica, which left the Arizona market at the end of 2024, and Antidote Health Plan, which is new for 2025.
If you lose your AHCCCS or KidsCare coverage, you can enrol through the extended Special Enrollment Period (SEP). This is a period for ACA coverage for qualified individuals and their families who lose their Medicaid or KidsCare (CHIP) coverage. This extended SEP was available from March 31 to November 30, 2024, with a special enrollment period from March 31 to July 31, 2024.
You can enrol in a Marketplace health plan in Arizona by phone, with the help of a local agent/broker, or through an approved enhanced direct enrollment entity (EDE). Arizona residents can also find affordable health insurance coverage by shopping on HealthCare.gov, which is Arizona's health insurance marketplace.
AHCCCS (Arizona Health Care Cost Containment System) is Arizona's Medicaid program, and KidsCare is Arizona's Children's Health Insurance Plan (CHIP). If you are no longer eligible for AHCCCS, you may be referred to HealthCare.gov to find other health insurance options.
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Frequently asked questions
The Arizona Health Insurance Marketplace is a federally-facilitated marketplace where Arizona residents can enroll in health insurance plans. It is also known as the Affordable Care Act (ACA) Marketplace or Obamacare.
You can enroll in a health insurance plan online at HealthCare.gov or by phone at (800) 318-2596. You can also get assistance from a local agent, broker, or certified application counselor.
Eight private insurance companies offered coverage through the Arizona Health Insurance Marketplace for 2025, including Cigna Health and Life Insurance Company, Cigna HealthCare of Arizona, Inc., and Antidote Health Plan.
The Arizona Health Insurance Marketplace offers individual and family health insurance plans, small group plans, short-term plans, and Medicare plans. Dental insurance plans are also available.
