Alyssa Lane
Health insurance premiums in Arizona have been on the rise, with an average increase of 3% between 2024 and 2025. The cost of a Silver plan, the most popular health plan in the state, is $529 per month for a 40-year-old, while a Gold plan costs $680 per month. These rates are influenced by factors such as the type of plan, age, and income level. For example, younger people can expect to pay around $345 per month for a Bronze plan at age 27. The availability of different plan options, such as PPO, HMO, EPO, and POS, also impacts the overall cost of health insurance in Arizona.
| Characteristics | Values |
|---|---|
| Average cost of health insurance in Arizona for a 40-year-old | $529 per month |
| Silver plan average cost | $501 per month |
| Bronze plan average cost | $345 per month |
| Gold plan average cost | $680 per month |
| Cheapest silver plan | $322 per month |
| Average increase in cost of health insurance in AZ between 2024 and 2025 | 3% |
| Average increase in cost of catastrophic plans in AZ between 2024 and 2025 | 9% |
| Average increase in cost of a gold plan in AZ between 2024 and 2025 | 4% |
| Average increase in cost of silver plans in AZ between 2024 and 2025 | 2% |
| Average decrease in cost of bronze plans in AZ between 2024 and 2025 | 1% |
| Best health insurance company in Arizona | UnitedHealthcare |
| Company with the lowest complaint ratio to state insurance departments | Cigna |
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What You'll Learn
- Silver plans are the most popular, averaging $529 per month
- Gold plans are 28% more expensive than Silver plans
- Bronze plans are the cheapest, with average costs decreasing in 2025
- Cigna has the lowest complaint ratio, indicating high customer satisfaction
- Short-term health insurance may be available for up to 364 days
Silver plans are the most popular, averaging $529 per month
Silver plans are the most popular health insurance option in Arizona, with an average monthly cost of $529 for a 40-year-old. The average cost of a Silver plan in Arizona is $501 for 40-year-olds, according to Forbes, and starts at $322 per month. Silver plans offer a good balance between affordable rates and adequate coverage, making them a popular choice for many.
The ACA marketplace categorizes health insurance plans into four metal tiers: Bronze, Silver, Gold, and Platinum. Each tier offers varying levels of coverage and cost-sharing. Silver plans are a step up from Bronze plans, which have lower premiums but higher out-of-pocket costs. Silver plans typically have lower deductibles, copays, and out-of-pocket maximums compared to Bronze plans. This makes them attractive to those seeking a balance between cost and coverage.
The popularity of Silver plans can also be attributed to their affordability compared to Gold plans. Gold plans are designed for individuals who anticipate needing expensive or complex medical care or frequent doctor visits. While Gold plans offer more comprehensive coverage, they come with higher premiums. In Arizona, Gold plans cost $680 per month, 28% more than Silver plans. For those who do not foresee requiring extensive medical care, Silver plans offer a more cost-effective option without compromising on essential health benefits.
Additionally, Silver plans may offer cost-saving benefits such as reduced out-of-pocket expenses for deductibles, copays, and coinsurance. These plans often feature a broader network of healthcare providers, giving enrollees more choices when seeking care. It's important to note that the specific benefits and coverage of Silver plans can vary across different insurance companies and locations.
While Silver plans offer a good middle ground, it's worth noting that health insurance needs are unique to each individual. Factors such as age, health status, income, and anticipated medical needs play a crucial role in determining the most suitable plan. Some individuals may find Bronze plans sufficient for their basic healthcare needs, while others with frequent or complex medical requirements may prefer the enhanced coverage of Gold or Platinum plans. Nonetheless, Silver plans cater to a large portion of the population, providing a balance that appeals to those who want peace of mind without breaking the bank.
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Gold plans are 28% more expensive than Silver plans
In Arizona, consumers can access various metal tiers of health insurance plans, including Bronze, Silver, and Gold. These plans differ in their premiums, deductibles, and out-of-pocket costs. While Silver plans are the most popular health plan tier in Arizona, Gold plans offer more comprehensive coverage and lower out-of-pocket expenses.
The distinction between the metal levels is based on the actuarial value (AV) of the plan, which is the average percentage of medical costs that the plan covers. A Bronze plan has an AV of approximately 60%, a Silver plan has an AV of about 70% (or higher with cost-sharing reductions), and a Gold plan has an AV of roughly 80%Gold plans generally have higher premiums than Silver plans. For example, a 40-year-old with a Bronze plan in Arizona might pay a monthly premium of $340, while the same person choosing a Gold plan could pay around $759 per month, a difference of $419. This represents a 28% increase in the premium for the Gold plan compared to the Silver plan.
The higher premium of a Gold plan may be offset by lower out-of-pocket expenses when accessing healthcare services. Gold plans often have lower deductibles, copayments, and coinsurance amounts, which can result in overall lower costs for individuals with higher medical needs. Additionally, individuals with incomes below 250% of the Federal Poverty Line may qualify for cost-sharing reductions with some Silver plans, further reducing their out-of-pocket expenses.
It is worth noting that the pricing of health insurance plans can vary, and in some places, Gold plans may even be less expensive than Silver plans due to specific state pricing rules or other factors. However, in Arizona, the average cost of a Silver plan for a 40-year-old is $501 per month, while the cheapest Gold plan is offered at $429 monthly, still reflecting a higher cost for the Gold tier.
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Bronze plans are the cheapest, with average costs decreasing in 2025
Arizona health insurance costs an average of $585 a month for a silver plan, but bronze plans are the cheapest option, with average costs decreasing in 2025. For example, a 27-year-old can expect to pay an average of $345 a month for a bronze plan, while a 40-year-old will pay an average of $501 a month for a silver plan.
Oscar Health Insurance offers the cheapest health insurance premiums in Arizona, with the lowest costs for each age group analysed. Cigna Health Insurance is another option with excellent average bronze plan deductibles, which are cheaper than the state average, and a large provider network of over 1.5 million providers. However, Cigna has one of the most expensive average premiums in Arizona.
UnitedHealthcare is rated as the best health insurance company in Arizona by Forbes, with competitive premiums and excellent deductibles, coupled with a large provider network.
The ACA marketplace has four metal tier levels, with bronze being the cheapest, followed by silver, gold, and platinum, which is the most expensive and the hardest to find.
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Cigna has the lowest complaint ratio, indicating high customer satisfaction
Arizona residents shopping for health insurance may be surprised to find that their rates are higher than the national average. Silver plans, the most popular health plan in the state, have an average cost of $501 a month for 40-year-olds. This is in part due to the fact that Arizona is an Effective Rate Review ("ERR") state, which means that health insurance companies must provide certain information about "threshold" rate increases, and this information is used to determine health insurance premiums.
Cigna, a health insurance company serving 11 states, has the lowest complaint ratio to state insurance departments of the insurers analysed by Forbes. This low complaint ratio indicates high customer satisfaction. Cigna received a very good complaint index score of 0.79 from the National Association of Insurance Commissioners. This score is based on a ratio of the number of customer complaints to the expected number for a company of its size. A ratio below 1.0 indicates that the company received fewer complaints than is typical. Cigna's customers rated it well for customer satisfaction, with an overall score of 3.84 out of 5, and 83% of customers saying they would recommend the company to others.
Cigna offers excellent average bronze and silver plan deductibles, which are cheaper than the state average. It also has a large provider network of over 1.5 million providers. However, Cigna has one of the highest average Affordable Care Act (ACA) premiums compared to other companies. It only offers two plan types in the ACA marketplace (EPO and HMO).
UnitedHealthcare, another health insurance company in Arizona, has one of the cheapest average ACA marketplace premiums in the state. It also has a large provider network of 1.3 million providers across the country, but it also has a very high consumer complaint level to state insurance departments.
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Short-term health insurance may be available for up to 364 days
Short-term health insurance is a viable option for those who need temporary coverage. It is often more affordable than standard health insurance plans, making it a good choice for those who cannot afford traditional health insurance premiums. Short-term health insurance plans do not have to follow all ACA coverage mandates, and they are not considered qualified plans, so they may not cover pre-existing conditions and typically exclude certain medical needs. They are ideal for filling gaps between more comprehensive policies.
In Arizona, short-term health insurance plans can be purchased for up to 364 days, with the option to renew for up to 36 months. These plans can be a good solution for those who are between jobs, waiting for new employer-based coverage to begin, or who missed the Open Enrollment period for ACA plans. They can also provide quick proof of insurance for those who need it for a special activity or trip.
To qualify for short-term health insurance in Arizona, individuals must complete a health questionnaire from the insurance provider. This form assesses an individual's medical history, including past diagnoses or treatments for conditions such as cancer, heart disease, or emphysema. It is important to note that short-term health insurance is not as comprehensive as ACA-compliant major medical plans and may have limits on doctor visits, prescriptions, and more.
While short-term health insurance can be a more affordable option, it is important to carefully consider the coverage specifics of the plan and whether it meets your individual needs and budget.
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Frequently asked questions
Medical insurance rates in Arizona are high due to the state's large uninsured population, high rates of chronic illness, and the high cost of healthcare services in the state.
The cost of healthcare services in Arizona is influenced by provider rates, facility fees, and prescription drug prices, among other factors.
There are several ways to obtain affordable health insurance in Arizona. Firstly, individuals with low-to-average incomes may qualify for health insurance subsidies that lower monthly costs. Secondly, Arizona residents may be eligible for free or low-cost health insurance through Medicaid, which covers essential healthcare needs such as doctor visits, vaccines, and prescriptions. Lastly, short-term health insurance plans can offer temporary coverage at lower costs, although they typically provide less comprehensive benefits than marketplace plans.
