Arizona · Insurer
Oscar Marketplace Plans in Arizona
Oscar sold 17 HMO plans in Maricopa, Pima, Pinal and Santa Cruz in 2026, and its filing covers about 87,000 members. It proposed the largest 2027 average increase among Arizona Marketplace filers, 33.9%.
- Member experience not rated for 2026; overall fell from 4 stars in 2025.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes Oscar different from other Arizona insurers?
Oscar's Part II cites about 86,900 members as of March 2026, the biggest disclosed Marketplace book among Arizona filers.
Oscar's 2026 Arizona network overview lists Banner, HonorHealth, Abrazo, Carondelet and Valleywise campuses across Phoenix and Tucson.
2026 plan names include diabetes, COPD Breathe Easy, chronic CKM, menopause Women's Health, and Spanish-first Buena Salud diabetes.
Oscar sells in Maricopa, Pima, Pinal and Santa Cruz. Shoppers outside those counties will not see Oscar on HealthCare.gov.
Is Oscar a good Marketplace option in Arizona?
Oscar is a good fit if you live in metro Phoenix or Tucson and want Banner or HonorHealth access. The proposed 33.9% average is the steepest Arizona filing. Compare after-subsidy quotes plan by plan.
Who should consider Oscar?
- You live in metro Phoenix or Tucson and want Banner or HonorHealth access
- You want a diabetes, COPD, menopause or Spanish-first plan name
- You are comfortable with a virtual-care-heavy HMO design
Who should look elsewhere?
- The proposed 33.9% average is the steepest Arizona filing. Compare after-subsidy quotes plan by plan.
- Service area is only four counties. Coconino, Yavapai, Yuma and Mohave shoppers need another insurer.
- CMS overall rating fell to 3 of 5 for 2026, and member experience was not rated.
Which Oscar plans should you look at first?
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
How much do Oscar plans cost in Arizona?
Oscar sold 17 plans in Arizona for 2026, starting at $387 a month at age 40 before tax credits. Its average proposed change for 2027 is +33.9%.
Which Oscar plans were sold in Arizona in 2026?
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties | Compare |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Simple | MetalBronze | TypeHMO | Premium (age 40)$387 | Deductible$9,000 | OOP max$10,600 | Primary care40% after deductible | Specialist40% after deductible | Generic Rx$3 | HSANo | Counties4 | Compare |
| Bronze Classic Standard | MetalBronze | TypeHMO | Premium (age 40)$406 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties4 | Compare |
| Buena Salud Bronce Simple Para Diabetes | MetalBronze | TypeHMO | Premium (age 40)$413 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits | MetalBronze | TypeHMO | Premium (age 40)$414 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Bronze Simple Chronic Care CKM | MetalBronze | TypeHMO | Premium (age 40)$421 | Deductible$5,500 | OOP max$10,150 | Primary care$50 | Specialist$150 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Bronze Elite + PCP Saver Plus | MetalBronze | TypeHMO | Premium (age 40)$435 | Deductible$0 | OOP max$10,150 | Primary care$50 | Specialist$130 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Silver Simple PCP Saver | MetalSilver | TypeHMO | Premium (age 40)$491 | Deductible$5,750 | OOP max$9,400 | Primary care$20 | Specialist$70 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Silver Classic Standard | MetalSilver | TypeHMO | Premium (age 40)$491 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties4 | Compare |
| Silver Simple Diabetes | MetalSilver | TypeHMO | Premium (age 40)$498 | Deductible$6,500 | OOP max$10,000 | Primary care$0 | Specialist$40 | Generic Rx$0 | HSANo | Counties4 | Compare |
| Silver Simple Chronic Care CKM | MetalSilver | TypeHMO | Premium (age 40)$502 | Deductible$5,900 | OOP max$10,150 | Primary care$0 | Specialist$35 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Silver Simple Specialist Saver with COPD | MetalSilver | TypeHMO | Premium (age 40)$503 | Deductible$6,500 | OOP max$9,600 | Primary care$35 | Specialist$40 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Silver Simple Women's Health with Menopause Benefits | MetalSilver | TypeHMO | Premium (age 40)$505 | Deductible$6,000 | OOP max$10,150 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Silver Elite Saver Plus | MetalSilver | TypeHMO | Premium (age 40)$531 | Deductible$0 | OOP max$8,500 | Primary care$80 | Specialist$100 | Generic Rx$20 | HSANo | Counties4 | Compare |
| Gold Simple | MetalGold | TypeHMO | Premium (age 40)$540 | Deductible$3,300 | OOP max$9,950 | Primary care$5 | Specialist$10 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Gold Classic Standard | MetalGold | TypeHMO | Premium (age 40)$544 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties4 | Compare |
| Gold Simple Diabetes | MetalGold | TypeHMO | Premium (age 40)$547 | Deductible$2,000 | OOP max$9,800 | Primary care$0 | Specialist$40 | Generic Rx$3 | HSANo | Counties4 | Compare |
| Gold Classic | MetalGold | TypeHMO | Premium (age 40)$551 | Deductible$3,500 | OOP max$7,750 | Primary care$30 | Specialist$35 | Generic Rx$3 | HSANo | Counties4 | Compare |
Which other insurers sell Marketplace plans in Arizona?
Sources
- CMS Rate Review, Oscar Health Plan 2027 Arizona individual filing, July 15, 2026
- Oscar, 2027 Arizona Part II justification, July 15, 2026
- Oscar, The 2026 Network: Arizona, 2025
- CMS Marketplace Quality Rating System, PY2026, October 2025
- CMS Marketplace Quality Rating System, PY2025, October 2024
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Arizona Marketplace guide and all insurers
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.