Arizona Marketplace Plans 2027: How to Choose | Thrive

Arizona · Open enrollment Nov 1 – Jan 15

Arizona Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 8, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Arizona had 7 Marketplace insurers and 199 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Arizona insurers filed increases of about 3% to 34% before tax credits. Compare again even if you like your plan.

Find my Arizona planFree. See your price after tax credits.

What's changing in the Arizona Marketplace for 2027?

  1. Cigna ends individual plans in Arizona and every other state where it sells them. About 2,500 Arizonans on Connect HMOs need a new insurer for 2027.

  2. Filed averages run from 3.3% at Antidote to 33.9% at Oscar before tax credits. AZ Blue filed 29.6%. Your net change depends on your credit.

  3. Adult Group members ages 19 to 64 must meet work or activity rules and renew every six months starting January 1, 2027. See KeepMyAHCCCS.com.

  4. The extra tax credits ended after 2025. Above 400% of the federal poverty level, you generally pay a plan's full price.

View from the Echo Canyon trail on Camelback Mountain over Phoenix and Paradise Valley at sunset, with saguaro cactus and red rock

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

  1. Lowest monthly price, from $375 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 14 Bronze plans work with a health savings account (HSA).

  2. Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $438 at age 40; typical deductible $6,000 before those savings.

  3. Higher monthly price, from $516 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Arizona 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 1 catastrophic plans for people under 30.
MetalPlansFrom, age 40Typical deductibleDeductible range
BronzePlans65From, age 40$375Typical deductible$7,500Deductible range$0–$10,600
SilverPlans72From, age 40$438Typical deductible$6,000Deductible range$0–$7,500
GoldPlans61From, age 40$516Typical deductible$2,000Deductible range$0–$4,800

Which insurers sell Marketplace plans in Arizona?

7 insurers sold Arizona Marketplace plans in 2026, and 6 are expected for 2027. Not every insurer sells in every county, so your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. Cigna leaves after 2026. Imperial stays with a filing but is not researched as a page (under eight plans). Figures are as filed; DIFI finals were not posted.
InsurerCounties (2026)Plans (2026)Plan typesFrom (age 40)CMS rating (2026)2027 change
AZ BlueCounties (2026)15 of 15Plans (2026)115Plan typesHMOFrom (age 40)$432CMS rating (2026)3 of 52027 change+29.59% proposed
OscarCounties (2026)4 of 15Plans (2026)17Plan typesHMOFrom (age 40)$387CMS rating (2026)3 of 52027 change+33.9% proposed
AmbetterCounties (2026)9 of 15Plans (2026)16Plan typesHMOFrom (age 40)$469CMS rating (2026)4 of 52027 change+24.55% proposed
AntidoteCounties (2026)3 of 15Plans (2026)16Plan typesHMOFrom (age 40)$401CMS rating (2026)Not yet rated2027 change+3.26% proposed
CignaCounties (2026)3 of 15Plans (2026)16Plan typesHMOFrom (age 40)$404CMS rating (2026)4 of 52027 changeLeaving after 2026
UnitedHealthcareCounties (2026)7 of 15Plans (2026)14Plan typesHMOFrom (age 40)$436CMS rating (2026)3 of 52027 change+28.63% proposed
Imperial Insurance CompaniesCounties (2026)10 of 15Plans (2026)5Plan typesHMOFrom (age 40)$375CMS rating (2026)–2027 change–

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Arizona plan

What do people ask about Arizona Marketplace plans?

  1. Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

  2. Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

  3. 199 of Arizona's 199 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

  4. Compare before you let it renew. Arizona insurers filed 2027 increases of about 3% to 34% before tax credits, and your plan or its network may change. Your new tax credit can change too.

  5. Arizona expanded Medicaid. Adults 19 to 64 with income up to 138% of the poverty level may qualify for AHCCCS. Apply at healthearizonaplus.gov or azahcccs.gov. Adult Group members should check KeepMyAHCCCS.com before January 2027 for work-requirement and six-month renewal rules.

  6. On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

  7. No. Arizona uses HealthCare.gov. You can also enroll with a licensed agent or an approved partner site that connects to HealthCare.gov.

  8. Cigna Connect coverage ends December 31, 2026. Compare other insurers on HealthCare.gov starting November 1, and enroll by December 15 for January 1 coverage.

  9. Focus+Prosano, ACA Health Choice and Neighborhood are separate HMO networks. A doctor who takes one may not take another, so check the network on the plan card.

Where these numbers come from

  • 2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
  • Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.