Cheapest Health Insurance in Arizona: Affordable Plans for 2026

Antidote Health has the cheapest health insurance in Arizona, with an average premium of $551 per month. Oscar follows close behind at $559 monthly. Although Antidote Health costs $8 less per month ($96 per year), its average deductible of $5,692 is $2,233 more than Oscar’s. If you file even one big healthcare claim in a year, that gap more than erases the $96 annual premium savings. Oscar's $559 rate is the better starting point for most Arizona residents who regularly use their coverage.

* Average monthly costs reflect each provider’s mean plan rate in Arizona, rounded to the nearest dollar.

Use the filters below to compare the most affordable Arizona health insurance plans by age, plan type and metal tier. If you rarely need medical care and want a lower monthly premium, consider Catastrophic or Expanded Bronze plans. If you regularly visit doctors, fill prescriptions or expect ongoing care, compare Silver and Gold plans, which offer a better balance of premiums and out-of-pocket costs.

Arizona’s cheapest health insurance providers range from $429 per month for Expanded Bronze coverage to $566 for Gold, based on our analysis of statewide averages for a 40-year-old. Antidote Health has the lowest-cost Expanded Bronze plan, while Oscar has the cheapest Silver and Gold options. The state's cheapest Bronze plan from UnitedHealthcare costs more than the cheapest Expanded Bronze and Silver plans from competitors, so be sure to compare quotes across metal tiers rather than assuming Bronze always has the lowest premium.

Metal tiers determine how costs are divided between premiums and out-of-pocket spending. Antidote Health’s Expanded Bronze plan costs $429 per month and has a $6,135 average deductible. Oscar’s Silver plan costs $93 more monthly, or $1,116 more annually, but lowers the average deductible by $2,734. That leaves up to $1,618 in potential annual savings for people whose medical spending is high enough to reach the deductible.

* Rates shown are based on statewide averages for 40-year-olds.

Antidote Health has the most affordable health insurance in Arizona through age 40, ranging from $252 per month at age 18 to $429 at age 40. Oscar becomes the cheapest carrier at age 50, with its Expanded Bronze HMO costing $599 per month. At age 60, Oscar's Expanded Bronze HMO is still the cheapest option in the state, but the rate increases to $911 per month.

Adults under 30 can buy Catastrophic plans, which have the lowest premiums but a high $10,600 deductible and out-of-pocket maximum. Starting at age 30, these plans require a hardship or affordability exemption. Expanded Bronze then becomes the cheapest option, with higher premiums but lower deductibles and out-of-pocket limits.

* Rates shown are based on statewide averages for the most affordable option at each age. Your actual rate will vary based on your location and plan.

Antidote Health and Oscar have Arizona’s cheapest HSA-eligible plans, both averaging $429 per month for Expanded Bronze coverage. At the same premium, Oscar provides better cost-sharing, with a deductible that's $1,185 lower and a MOOP that's $210 lower than Antidote Health's plan. 

An HSA lets you contribute pre-tax money for deductibles, copays and other qualified medical expenses. All Bronze and Expanded Bronze plans in Arizona are HSA-eligible, while Silver and Gold plans aren't eligible. These plans work best for healthy people who want lower premiums and tax-advantaged savings and can afford higher out-of-pocket costs when they need care.

* Rates shown are based on statewide averages for 40-year-olds.

Oscar Health has the lowest estimated total annual cost at all three usage levels we analyzed, ranging from $6,148 for light healthcare users to $12,412 in a high-cost year. The most affordable metal tier changes with usage. Expanded Bronze costs for people with $1,000 in medical expenses, while Gold provides better value at $5,000 or more because its lower cost-sharing offsets the higher premium.

We calculated total annual costs for a 40-year-old at three spending levels by adding 12 months of premiums to estimated out-of-pocket costs. The estimates assume you pay covered expenses until meeting the deductible, followed by 20% coinsurance up to the plan’s out-of-pocket maximum. Your actual costs will depend on copays, covered services and negotiated network rates.

Arizona's health insurance market has dozens of plans across multiple price points. MoneyGeek analyzed federal marketplace data to find which insurers charge the least based on age, plan type and metal level.

Research Approach

Our rate analysis pulled plan-level data from the federal Health Insurance Marketplace for all metal tiers available to Arizona residents in 2026, covering six carriers across five age groups: 18, 26, 40, 50 and 60. We reviewed Bronze, Expanded Bronze, Silver and Gold plans across HMO, PPO, EPO, POS and HSA-eligible plan types. Arizona has no Platinum-tier plans in the 2026 marketplace data. 

Why We Focus on 40-Year-Olds

We ranked insurers using rates for 40-year-olds, a midpoint in the state's working-age population. Using one age allows for direct comparisons without age-based pricing differences affecting the rankings.

Age-Specific Rankings

We also ranked insurers separately by age. The cheapest provider for a young adult may not offer be the cheapest for a 60-year-old, so these rankings help you find the most affordable option for your life stage.

All data comes from federal sources and includes every metal tier and plan type available to Arizona residents through the Health Insurance Marketplace.