Jane Dotson
Arizona residents have a variety of options when it comes to health insurance providers, including Oscar Health Plan Inc., Cigna, and Blue Cross Blue Shield. According to MoneyGeek, the best health insurance in Arizona is from Ambetter, which offers affordable plans, low out-of-pocket costs, and a low denial rate for claims. Silver plans are the most popular health plan in Arizona, with an average cost of $501 a month for 40-year-olds.
| Characteristics | Values |
|---|---|
| Best health insurance in Arizona | UnitedHealthcare |
| Silver plan average cost | $501 per month |
| Silver plan average cost (MoneyGeek) | $450 per month |
| Gold plan average cost | $1,298 per month |
| Oscar Health Plan average rate | $482 per month |
| Oscar Health Plan average maximum out-of-pocket cost | $7,850 |
| Oscar Health Plan denial rate | 12% |
| Ambetter MoneyGeek score | 67 out of 100 |
| National General Accident & Health score | 95 out of 100 |
| Arizona's rank as healthiest state | 31st |
| Percentage of Arizona residents without medical insurance in 2013 | 17.4% |
| Percentage of Arizona residents without medical insurance | 11% |
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What You'll Learn
Silver plans are the most popular
The popularity of Silver plans in Arizona can be attributed to their comprehensive coverage and cost-effectiveness. These plans often feature lower deductibles than Bronze plans, reducing the financial burden on policyholders when they need to access healthcare services. Additionally, Silver plans may provide enhanced benefits, such as lower out-of-pocket maximums, which can be crucial for individuals with frequent or unexpected medical needs.
One of the key advantages of Silver plans in Arizona is their eligibility for cost-sharing reductions (CSRs). CSRs are discounts that lower the deductibles, copayments, and coinsurance for individuals and families who qualify based on their income. This makes Silver plans even more affordable for those who might otherwise struggle to afford healthcare.
Furthermore, Silver plans in Arizona offer a wide range of provider options. While some plans may restrict you to a specific network of doctors, Silver plans often provide access to a larger pool of healthcare providers. This flexibility allows policyholders to choose the doctors and facilities that best meet their needs without worrying about network restrictions.
When considering a Silver plan in Arizona, it's important to remember that costs can vary. Factors such as age, location within the state, and specific insurance providers can influence the monthly premiums. Additionally, it's worth noting that Silver plans may not be the best option for everyone. For younger individuals who rarely need medical care, a Bronze plan might suffice, while older individuals with more complex health needs may prefer the enhanced benefits of Gold or Platinum plans.
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Ambetter is the best-rated insurance
Ambetter's My Health Pays program incentivizes healthy living choices by rewarding customers for exercising, eating healthily, and getting vaccinated. These rewards can be used for health-related costs and other types of bills. Ambetter also provides access to virtual care and telehealth visits, as well as vision and dental coverage.
However, Ambetter has received customer complaints regarding difficulties in finding in-network doctors, with some reporting that the online tool incorrectly lists doctors as in-network. As a result, Ambetter is facing a class-action lawsuit regarding its doctor network information.
Overall, Ambetter is a good option for those seeking affordable health insurance, particularly young adults, but it is important to verify that your doctors are in their network before enrolling.
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Oscar Health Plan is the cheapest
Health insurance premiums in Arizona vary depending on the type of plan, the insurer's age, and other factors. Silver plans are the most popular health plan in Arizona, with an average cost of $501 per month for 40-year-olds.
Oscar Health Plan, Inc. offers health insurance plans for individuals, families, and employers in Arizona. Oscar's plans are designed to be affordable and easy to use, providing high-quality care on your terms. One of the key advantages of choosing Oscar is its low-cost prescription medications, with many commonly prescribed drugs costing as little as $3 for a 30-day supply. Additionally, Oscar offers $0 Virtual Urgent Care and, in some areas, $0 Oscar Primary Care.
Oscar's health insurance plans in Arizona include the Classic, Simple, and Saver HSA Plans. The Classic plan is a silver-tier plan with lower premiums than other silver-tier options and higher levels of coverage and more copays than the Simple plan. With the Classic plan, you get your own Concierge team, including three care guides and a nurse, providing personalized care.
The Simple plan, as the name suggests, is straightforward and easy to manage through the Oscar app. This plan is shaped like a traditional health plan but with lower premiums. The Saver HSA plan is likely a high-deductible health plan, which may not be eligible for $0 Virtual Urgent Care.
Overall, Oscar Health Plan stands out for its affordable prescription medications, virtual care options, and personalized Concierge team support, making it a cost-effective choice for individuals, families, and employers in Arizona.
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Cigna has the lowest complaint ratio
Cigna Healthcare offers a range of health insurance plans in Arizona, including medical and
Cigna's plans in Arizona include virtual urgent care from $0, $0 preventive care visits, and $0-$3 for preferred generic prescription drugs on most plans. They also offer additional benefits through their Cigna Healthy Rewards® discount program, where customers over 18 can earn up to $325 in points redeemable for a debit card or merchandise.
Cigna provides access to a large provider network of over 1.5 million providers, ensuring customers can easily find in-network doctors. Additionally, Cigna offers 24/7 support, including the ability to speak to a licensed clinician at any time.
Cigna's insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC) and administered by Cigna HealthCare of Arizona, Inc., among other Cigna subsidiaries. Cigna Healthcare pays brokers or insurance agents for providing services to their members, and product availability may vary by location and plan type.
Overall, Cigna's low complaint ratio suggests that their health insurance plans are well-regarded by customers in Arizona, and their range of benefits and support options further contribute to their popularity.
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Arizona's Medicaid is called AHCCCS
Arizona's Medicaid program is called the Arizona Health Care Cost Containment System, or AHCCCS. It is available to Arizona residents who meet certain income and other requirements. The program offers health care services to children, pregnant women, adults under 65, parents, and elderly and disabled individuals.
AHCCCS provides long-term care services through the Arizona Long Term Care System (ALTCS). ALTCS offers services to Arizona residents with age-related, physical, or developmental disabilities who require a skilled level of care. These services can be provided in the individual's own home or an assisted living facility, and participants do not have to reside in a nursing home.
To be eligible for ALTCS, individuals must meet both financial and medical criteria. Financially, a single applicant cannot exceed $2901 per month in gross monthly income, and resources cannot exceed $2000 per month. Medically, individuals must require a nursing home level of care or a care facility for individuals with intellectual disabilities and need assistance with their activities of daily living.
The AHCCCS program has different income requirements for different groups. For instance, children aged 0-1 are eligible with a family income up to 147% of the federal poverty level (FPL), while children aged 1-5 are eligible with a family income up to 141% of FPL. Pregnant women with a family income up to 156% of FPL are also covered, and coverage continues for 12 months postpartum. Adults under 65 with a family income up to 138% of FPL are also eligible for Medicaid in Arizona.
In addition to AHCCCS, Arizona residents can explore other health insurance options in the state. Silver plans are the most popular health plan, with an average cost of $501 per month for 40-year-olds. UnitedHealthcare is considered the best health insurance provider in Arizona, offering competitive rates, deductibles, and a range of individual plans.
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Frequently asked questions
Silver plans are the most popular health plan in Arizona, with an average cost of $501 a month for 40-year-olds.
MoneyGeek's review of health insurance companies in 2025 evaluated age, maximum out-of-pocket (MOOP) costs, plan flexibility, and claims management. Ambetter was rated the best health insurance in Arizona with a score of 67 out of 100.
Oscar has the best cheap health insurance in Arizona with a score of 75 out of 100. The provider offers the cheapest plan options, a better-than-average record of approving claims, and a variety of plan types.
