Whether you’re exploring the Grand Canyon or browsing your health insurance options, there are some things you should know if you call Arizona home.
Many types of health insurance are available: individual health insurance (on or off exchange sold in metallic tiers), ACA (marketplace), employer based, Medicaid, or Medicare.
Even though there are many choices, you can expertly navigate your options by identifying what you need. For instance, if you live below the federal poverty line, Medicaid is a wise decision. On the other hand, if you’re self-employed and looking for health insurance, try individual health insurance through Part C or Medicare Advantage Plan sold through insurers.
Read on, and we’ll fill you in on Arizona’s health insurance need-to-knows—and the nice-to-knows too!
Free Health Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
The average cost of individual health insurance (silver tier) for a middle-aged male in the United States is $560, while in Arizona, it’s $569.
Here’s a more detailed breakdown of how much health insurance costs for a 40-year-old by tier:
Metal Tier | Monthly Cost |
Catastrophic | $274 |
Bronze | $368 |
Silver | $569 |
Gold | $708 |
If you’re in the market for health insurance for your family, your rates will naturally increase. For example, the typical cost for a silver family insurance plan is:
Family Size | Monthly Premiums |
Adult + Child | $910 |
Couple | $1,138 |
Couple + Child | $1,479 |
Couple + 2 Children | $1,819 |
Couple + 3 Children | $2,160 |
*Adults are 40 years of age, while children are under 14.
Although average health insurance costs in Arizona are slightly above the national average, there are ways to find savings. Keep reading for more info on finding affordable health insurance in Arizona.
Free Health Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
When it comes to getting health insurance, every American is familiar with the term “open enrollment”—it’s that time of year when you shop for health insurance.
For Arizona residents, open enrollment runs from November 1—January 15. Enrolling during open enrollment is key to ensuring you have the coverage you need when you need it.
Free Health Insurance Comparison - Save up to 30%
No junk mail. No spam calls. Free quotes.
No Signup required
Medicare is a federally-funded health insurance program for seniors or qualifying individuals. Unlike individual health insurance that’s sold in metal tiers, Medicare is sold in units called parts.
Here’s a quick overview of the four main parts Medicare offers:
You become automatically eligible for Medicare in Arizona at age 65 or earlier if you have a qualifying health condition or disability.
Life happens. Sometimes we need to see a doctor or go to the hospital, and when that happens, health insurance is there to help cover the costs. The most challenging part is figuring out the best health insurance in Arizona for you.
To determine the best Arizona health insurance plan, you’ll want to assess your needs. If you’re over 65, look into Medicare and explore which part you’d like to purchase, while those living below the federal poverty line should look into Medicaid or KidsCare (Arizona’s CHIP equivalent).
Otherwise, if you’re investigating your individual health insurance options, it boils down to what you can comfortably afford. If money is an issue, catastrophic, bronze, and even silver are your best options; also remember silver plans are eligible for cost-sharing subsidies, which can make it more affordable than lower tiers. But if you think you’ll need extra medical coverage, the higher tiers (gold and platinum) will cover a higher share of the health care costs.
And if you’re ready to take control of your health insurance in AZ, get access to free quotes fast here.
