Arizona residents get the most affordable coverage through Antidote Health at $551 monthly, saving $154 compared to the state average. Oscar follows at $559 monthly, while Imperial Insurance Companies ranks third at $720. Antidote Health offers the lowest premiums but has higher deductibles and maximum out-of-pocket costs than other providers. For more options, explore our guide to the cheapest health insurance.
Cheapest Health Insurance in Arizona: Affordable Plans for 2026
Updated: December 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
The most affordable health insurance options in Arizona are Antidote Health at $551, Oscar at $559 and Imperial Insurance Companies at $720 monthly.
Oscar offers the best rates for most demographics in Arizona, with the lowest premiums across age groups. Other insurers excel in specific plan types.
Cheapest Health Insurance Providers in Arizona
| Antidote Health Plan | $551 | $154 | $6,612 | $1,848 |
| Oscar Health Plan, Inc. | $559 | $146 | $6,708 | $1,752 |
| Imperial Insurance Companies | $720 | $15 | $8,640 | $180 |
| Ambetter | $725 | $20 | $8,700 | $240 |
| Cigna Healthcare Of Arizona, Inc | $749 | $44 | $8,988 | $528 |
| UnitedHealthcare | $751 | $46 | $9,012 | $552 |
| Blue Cross Blue Shield | $902 | $197 | $10,824 | $2,364 |
*We determine average monthly costs by rounding the mean of all monthly plan rates for each provider in Arizona. We calculate the monthly difference from the state average by comparing each provider's average rate against the statewide average of $705.
Antidote Health Plan
MoneyGeek Rating
4.1/ 5
4.9/5Affordability
2.7/5Deductible
2.9/5MOOP
Average Monthly Rate
$551Average MOOP
$7,142Average Deductible
$4,465
Most Affordable Arizona Health Insurance by Category
Choosing the best health insurance provider requires more than comparing average premiums across demographics. Your actual rate depends on personal factors such as age, plan type and metal tier. You'll also need to weigh how monthly premiums balance against deductibles and maximum out-of-pocket (MOOP).
Oscar offers the most affordable rates across most demographics in Arizona, but these lower premiums come with higher deductibles and MOOP.
| Children | Oscar Health Plan, Inc. | $313 | $3,751 | $5,917 | $3,401 |
| Teens | Oscar Health Plan, Inc. | $373 | $4,477 | $5,917 | $3,401 |
| Young Adults | Oscar Health Plan, Inc. | $418 | $5,021 | $5,917 | $3,401 |
| Adults | Oscar Health Plan, Inc. | $522 | $6,267 | $5,917 | $3,401 |
| HMO | Oscar Health Plan, Inc. | $522 | $6,267 | $5,917 | $3,401 |
| Seniors | Oscar Health Plan, Inc. | $1,109 | $13,308 | $5,917 | $3,401 |
*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Arizona Health Insurance by Metal Level
For 40-year-olds in Arizona, Antidote Health offers the most affordable Catastrophic coverage at $353 monthly and Expanded Bronze at $429. UnitedHealthcare leads Bronze at $541 per month, while Oscar offers the cheapest Silver at $522 monthly and Gold at $566 with a $2,025 deductible. Arizona has no Platinum tier plans.
| Catastrophic | Antidote Health Plan Of Arizona, Inc. | $353 | $4,234 | $10,600 | $10,600 |
| Expanded Bronze | Antidote Health Plan Of Arizona, Inc. | $429 | $5,146 | $7,860 | $6,135 |
| Silver | Oscar Health Plan, Inc. | $522 | $6,267 | $5,917 | $3,401 |
| Bronze | UnitedHealthcare | $541 | $6,498 | $7,950 | $7,950 |
| Gold | Oscar Health Plan, Inc. | $566 | $6,797 | $6,694 | $2,025 |
*These are average rates for 40-year-olds at each metal tier. Your actual rates vary by age, location and plan type.
Cheap Arizona Health Insurance: Personalized Picks
When shopping for cheap health insurance, multiple factors affect your rate, including age, plan type, metal level and coverage needs. We collected statewide data for Arizona to help you filter options based on your situation and budget.
Data filtered by:
HMO
Silver
40
| Antidote Health Plan Of Arizona, Inc. | Silver Complete 4 $0 Tier-1 Pcp Visits, $0 Antidote 24/7 Virtual Pcp/Urg/Chronic Care, $0 Core Rx | $499 | HMO | Silver | $6,393 | $4,386 | 40 |
| Oscar Health Plan, Inc. | Silver Simple Pcp Saver | $509 | HMO | Silver | $5,793 | $3,243 | 40 |
| Antidote Health Plan Of Arizona, Inc. | Silver Complete+Dental 4 $0 Tier-1 Pcp Visits, $0 Antidote 24/7 Virtual Pcp/Urg/Chronic Care, $0 Core Rx | $510 | HMO | Silver | $6,393 | $4,386 | 40 |
| Oscar Health Plan, Inc. | Silver Classic Standard | $510 | HMO | Silver | $5,657 | $3,100 | 40 |
| Oscar Health Plan, Inc. | Silver Simple Diabetes | $517 | HMO | Silver | $6,143 | $3,557 | 40 |
| Cigna Healthcare Of Arizona, Inc | Connect Silver Soaz 6200 Indiv Med Deductible | $519 | HMO | Silver | $6,089 | $3,554 | 40 |
| Oscar Health Plan, Inc. | Silver Simple Chronic Care Ckm | $522 | HMO | Silver | $6,200 | $3,357 | 40 |
| Oscar Health Plan, Inc. | Silver Simple Specialist Saver With Copd | $522 | HMO | Silver | $5,907 | $3,667 | 40 |
| Cigna Healthcare Of Arizona, Inc | Connect Silver Soaz 4000 Indiv Med Deductible | $523 | HMO | Silver | $6,164 | $2,361 | 40 |
| Cigna Healthcare Of Arizona, Inc | Connect Silver Soaz Cms Standard | $523 | HMO | Silver | $5,657 | $3,100 | 40 |
How to Get Cheap Health Insurance in Arizona
Finding affordable health insurance in Arizona can feel overwhelming, especially when balancing cost with adequate coverage. These tips will help you get solid coverage affordably.
- 1Look beyond the cheapest plans
While Bronze plans have lower monthly premiums, they often cost more when you need care due to high deductibles. Gold and Silver plans in Arizona may offer better value with lower out-of-pocket costs, especially if you visit doctors regularly or take prescription medications.
- 2Review your health care usage
Calculate what you spent on medical care last year. If you had only one doctor visit and spent $200 total, a high-deductible plan with a $7,000 deductible saves you $120 monthly compared to a lower-deductible option.
- 3Explore HMO options
HMO plans offer major premium savings compared to PPO plans in Arizona. While you must use doctors within the network, the monthly savings can be large if you're willing to accept the network restrictions.
- 4Verify subsidy eligibility
Premium tax credits through the Health Insurance Marketplace can reduce your monthly costs based on household income. Many middle-income Arizona families qualify for assistance, so check your eligibility before buying any plan.
- 5Time your purchase right
Open enrollment offers the best plan selection and pricing opportunities each year. If you miss this window, you'll wait until next year unless you experience a qualified life event like marriage or job loss.
- 6Compare provider networks
Make sure your preferred doctors and hospitals accept the plan you're considering. Arizona has varying network sizes, and switching plans later can be difficult if your current providers aren't covered under your new insurance.
Cheapest Health Insurance in Arizona: Bottom Line
Antidote Health offers the most affordable rates for Arizona residents. Both Oscar and Imperial Insurance Companies follow closely with competitive pricing across different coverage tiers. These providers have consistently low premiums, though your optimal rate comes from comparing different plan types and metal levels from several companies before making a decision.
Affordable Health Insurance in Arizona: FAQ
Find answers to the most common health insurance questions for Arizona residents:
How do I get cheap health insurance in Arizona?
Shop during open enrollment to compare plans across metal tiers from companies such as Antidote Health, Oscar and Imperial Insurance Companies. Consider HMO plans for lower rates and check if you qualify for premium tax credits through the Health Insurance Marketplace. Balance monthly premiums against deductibles based on your expected health care needs.
How much does health insurance cost in Arizona?
Arizona health insurance averages $725 monthly or $8,700 annually across all plan types and metal levels. Monthly premiums span from $211 to $2,631, varying by age, chosen coverage tier and plan type.
Does Arizona require health insurance?
Arizona doesn't require health insurance, and the federal mandate penalty was eliminated in 2019. Without coverage, you'll pay the full cost of medical expenses and miss enrollment periods for subsidized marketplace plans. Having insurance provides financial protection against unexpected medical bills and gives you access to preventive care.
Our Methodology
Arizona's health insurance marketplace includes seven major providers with hundreds of plan combinations across metal tiers, making direct comparison difficult. We built a standardized analysis framework to help you identify genuinely affordable coverage rather than just the lowest advertised premium.
Our Sample Structure
We pulled plan data from the federal health insurance marketplace for consumers aged 18 to 60, focusing on five life stages where insurance needs and costs shift dramatically: 18 (new adult coverage), 26 (aging off parent plans), 40 (mid-career stability), 50 (pre-Medicare planning) and 60 (final years before Medicare eligibility). This age distribution captures how Arizona insurers price risk across different demographics.
Why We Use 40-Year-Olds as Our Baseline
Our cheapest overall rankings center on 40-year-old premiums because this age group represents the largest segment of marketplace enrollees and sits at a neutral pricing point — old enough that premiums reflect real actuarial risk but young enough to avoid the steep increases that hit consumers in their 50s. This baseline lets you compare provider pricing strategies on equal footing.
Understanding the Premium-Deductible Tradeoff
Age-specific rankings show actual costs for each demographic, but cheaper monthly premiums come with higher deductibles and out-of-pocket maximums. A plan that saves you $100 monthly might cost you $3,000 more when you file a claim. We include deductible and maximum out-of-pocket data alongside premiums so you can calculate your total potential health care spending, not just your monthly bill.
Related Articles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.