Arizona · Insurer
UnitedHealthcare Marketplace Plans in Arizona
UnitedHealthcare sold 14 HMO plans in seven Arizona counties in 2026, and its filing covers about 40,000 people. It proposed a 28.6% average increase and requires specialist referrals on Arizona Exchange plans.
- Medical care scored 3 of 5; member experience not rated.
- 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 UnitedHealthcare different from other Arizona insurers?
UHC sold in Gila, La Paz, Maricopa, Mohave, Pima, Pinal and Santa Cruz in 2026, including rural west counties many rivals skip.
Unlike UHC's no-referral designs in some states, Arizona Exchange plans need a PCP referral for most specialists.
Copay Focus plans advertise a $0 medical deductible and $0 virtual urgent care. Plus versions add adult dental and vision.
UHC is adding Phoenix-area plans featuring Sanitas Medical Center as a capitated primary care option for 2027.
Is UnitedHealthcare a good Marketplace option in Arizona?
UnitedHealthcare is a good fit if you live in Mohave or La Paz and need a Marketplace option beyond AZ Blue. HonorHealth has been out of network for UHC Exchange plans since 2025. Confirm Banner, Abrazo and Carondelet each year.
Who should consider UnitedHealthcare?
- You live in Mohave or La Paz and need a Marketplace option beyond AZ Blue
- You want a $0 deductible Copay Focus design with virtual urgent care
- You are fine picking a PCP and getting referrals for specialists
Who should look elsewhere?
- HonorHealth has been out of network for UHC Exchange plans since 2025. Confirm Banner, Abrazo and Carondelet each year.
- Arizona plans need PCP referrals for most specialists. Budget time for that step.
- The filed 28.6% average sits near the top of Arizona's pack. Compare after-subsidy prices.
Which UnitedHealthcare 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 UnitedHealthcare plans cost in Arizona?
UnitedHealthcare sold 14 plans in Arizona for 2026, starting at $436 a month at age 40 before tax credits. Its average proposed change for 2027 is +28.63%.
Which UnitedHealthcare plans were sold in Arizona in 2026?
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties | Compare |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) | MetalBronze | TypeHMO | Premium (age 40)$436 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties7 | Compare |
| UHC Bronze Standard | MetalBronze | TypeHMO | Premium (age 40)$459 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties7 | Compare |
| UHC Bronze Standard+ (Dental + Vision) | MetalBronze | TypeHMO | Premium (age 40)$477 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties7 | Compare |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | MetalBronze | TypeHMO | Premium (age 40)$483 | Deductible$0 | OOP max$10,600 | Primary care$45 | Specialist$130 | Generic Rx$25 | HSANo | Counties7 | Compare |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | MetalBronze | TypeHMO | Premium (age 40)$501 | Deductible$0 | OOP max$10,600 | Primary care$45 | Specialist$130 | Generic Rx$25 | HSANo | Counties7 | Compare |
| UHC Silver Standard | MetalSilver | TypeHMO | Premium (age 40)$572 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties7 | Compare |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) | MetalSilver | TypeHMO | Premium (age 40)$573 | Deductible$4,500 | OOP max$10,150 | Primary care$12 | Specialist$80 | Generic Rx$8 | HSANo | Counties7 | Compare |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) | MetalSilver | TypeHMO | Premium (age 40)$587 | Deductible$0 | OOP max$10,600 | Primary care$30 | Specialist$70 | Generic Rx$10 | HSANo | Counties7 | Compare |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$592 | Deductible$4,500 | OOP max$10,150 | Primary care$12 | Specialist$80 | Generic Rx$8 | HSANo | Counties7 | Compare |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) | MetalSilver | TypeHMO | Premium (age 40)$605 | Deductible$0 | OOP max$10,600 | Primary care$30 | Specialist$70 | Generic Rx$10 | HSANo | Counties7 | Compare |
| UHC Gold Standard | MetalGold | TypeHMO | Premium (age 40)$668 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties7 | Compare |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$676 | Deductible$1,250 | OOP max$8,000 | Primary care$10 | Specialist$60 | Generic Rx$3 | HSANo | Counties7 | Compare |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) | MetalGold | TypeHMO | Premium (age 40)$695 | Deductible$1,250 | OOP max$8,000 | Primary care$10 | Specialist$60 | Generic Rx$3 | HSANo | Counties7 | Compare |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) | MetalGold | TypeHMO | Premium (age 40)$695 | Deductible$0 | OOP max$7,800 | Primary care$15 | Specialist$50 | Generic Rx$3 | HSANo | Counties7 | Compare |
Which other insurers sell Marketplace plans in Arizona?
Sources
- CMS Rate Review, UnitedHealthcare of Arizona 2027 individual filing, July 22, 2026
- UnitedHealthcare of Arizona, 2027 Part II justification, 2026
- UHC provider news, 2027 Individual Exchange plan information, October 1, 2026
- HonorHealth, UnitedHealthcare plan update, September 2024
- 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.