Oscar is the best health insurance company in Arizona. Other top options include Ambetter, Cigna Healthcare, Blue Cross Blue Shield and Antidote Health.
Best Health Insurance in Arizona (2026)
Updated: January 23, 2026
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Key Takeaways
Oscar offers the best health insurance in Arizona with competitive monthly premiums, reasonable deductibles and manageable out-of-pocket costs.
Oscar provides the cheapest health insurance in Arizona, though its out-of-pocket maximums are not the lowest available.
Compare quotes from at least three Arizona providers to find coverage matching your needs and budget.
Best Health Insurance Companies in Arizona
| Oscar Health Plan, Inc. | $522 | $5,917 | $3,401 | 4.4 | Silver Classic Standard |
| Ambetter | $657 | $5,629 | $3,182 | 4.4 | Standard Silver |
| Cigna Healthcare Of Arizona, Inc | $711 | $5,858 | $2,969 | 4.2 | Connect Silver Soaz 4000 Indiv Med Deductible |
| Blue Cross Blue Shield | $781 | $5,282 | $3,600 | 4.1 | Az Blue Advancehealth Silver Focus (4 Free Pcp Visits) |
| Antidote Health Plan Of Arizona, Inc. | $537 | $6,246 | $3,934 | 4.1 | Silver Standard |
| UnitedHealthcare | $728 | $6,214 | $2,929 | 4.0 | Uhc Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) |
| Imperial Insurance Companies | $647 | $5,764 | $3,818 | 3.9 | Imperial Standard Silver |
*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.
Oscar
MoneyGeek Rating
4.4/ 5
5/5Affordability
3.7/5Deductible
3.3/5MOOP
Average Monthly Rate
$522Average MOOP
$5,917Average Deductible
$3,401
Ambetter from Arizona Complete Health
MoneyGeek Rating
4.4/ 5
4.5/5Affordability
4.3/5Deductible
4.1/5MOOP
Average Monthly Rate
$657Average MOOP
$5,629Average Deductible
$3,182
Cigna
MoneyGeek Rating
4.2/ 5
4.2/5Affordability
4.9/5Deductible
3.5/5MOOP
Average Monthly Rate
$711Average MOOP
$5,858Average Deductible
$2,969
Best Health Insurance in Arizona by Category
With HMO as the only plan type available in the state, Arizona health insurance premiums vary primarily by age and coverage level. Oscar has Arizona's cheapest Silver HMO plans, costing $313 to $1,109 monthly depending on age.
By Age:
- Children (0 to 14): Oscar HMO plans cost $313 monthly
- Teens (18): Oscar HMO plans cost $373 monthly
- Young adults (26): Oscar HMO plans cost $418 monthly
- Adults (40): Oscar HMO plans cost $522 monthly
- Seniors (60): Oscar HMO plans cost $1,109 monthly
By Plan Type:
- HMO: Oscar Health Plan offers Arizona's most affordable HMO coverage for 40-year-olds at $522 monthly with a $3,401 deductible and $5,917 MOOP.
All rates are averages based on Silver plans for the given category.
Compare Arizona Health Insurance Providers
Monthly premiums, deductibles and MOOP vary across Arizona insurers. Filter by age, metal level, plan type and HSA eligibility to compare costs.
Data filtered by:
HMO
Silver
40
No
| Oscar Health Plan, Inc. | $522 | HMO | Silver | $5,917 | $3,401 | 40 | No |
| Ambetter | $657 | HMO | Silver | $5,629 | $3,182 | 40 | No |
| Cigna Healthcare Of Arizona, Inc | $711 | HMO | Silver | $5,858 | $2,969 | 40 | No |
| Blue Cross Blue Shield | $781 | HMO | Silver | $5,282 | $3,600 | 40 | No |
| Antidote Health Plan Of Arizona, Inc. | $537 | HMO | Silver | $6,246 | $3,934 | 40 | No |
| UnitedHealthcare | $728 | HMO | Silver | $6,214 | $2,929 | 40 | No |
| Imperial Insurance Companies | $647 | HMO | Silver | $5,764 | $3,818 | 40 | No |
How to Choose the Best Health Insurance in Arizona
Choosing health insurance in Arizona means weighing premiums against deductibles, network access and coverage limits.
- 1Assess your healthcare needs
Review current medications, planned procedures and doctor visit frequency to determine your coverage level. Past medical expenses predict future costs and inform deductible choices. Factor in specialist care needs, as network requirements differ across Arizona.
- 2Compare multiple insurer quotes
Request rates from at least three Arizona insurers to identify price differences and variations in coverage. Premiums vary between companies for identical coverage levels. Gather quotes during open enrollment for accurate pricing.
- 3Verify provider networks
Confirm your doctors, specialists and hospitals participate in plans you're considering. Out-of-network care costs more and may require full upfront payment. Arizona's medical centers are part of different networks; verify coverage to avoid unexpected bills.
- 4Review cost-sharing details
Higher deductibles reduce monthly premiums but increase costs when you need care. Maximum out-of-pocket limits cap annual expenses and protect against catastrophic bills. Balance monthly budget constraints with potential health care costs to select the right deductible.
- 5Evaluate plan types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less. PPOs allow specialist visits without approval at higher premiums. EPOs and POS plans offer moderate flexibility and costs between these options.
- 6Explore government programs
Subsidies and Medicare plans reduce costs for eligible Arizona residents. Low income, qualifying disabilities or age 65+ make you eligible for Medicare Advantage and Medicare Supplement options, which often provide better coverage at lower costs than private insurance.
How Much Does Health Insurance Cost in Arizona?
Arizona's health insurance market consists solely of HMO plans, with no other plan type available in the state. Bronze HMO coverage costs $603 monthly, Silver averages $660, and Gold runs $787. Platinum HMO plans are unavailable in Arizona.
| HMO | $603 | 536 | 660 | 787 |
*Rates are averages for 40-year-olds in Arizona. Your rates will vary based on your age and location.
Best Health Insurance in Arizona: Bottom Line
Oscar, Ambetter and Cigna Healthcare are Arizona's best health insurers for 2026. Oscar leads with the lowest premiums and balanced coverage. Ambetter costs more per month but offers lower deductibles.
Best Arizona Health Insurance: FAQ
Arizona residents often ask about enrollment periods, state insurance requirements and how multiple plans work together.
How do I get health insurance in Arizona?
Buy health insurance through the official health insurance marketplace, directly from insurers or through licensed brokers. Open enrollment is from November 1 to January 15 annually. Life events like marriage, job loss or relocation trigger special enrollment periods. Employers also offer group plans.
Are you required to have health insurance in Arizona?
Arizona has no health insurance requirement and no penalties for going uninsured. Without coverage, you pay all medical costs yourself. Emergency room visits often exceed $5,000 without insurance.
Can you have multiple health insurance plans in Arizona?
Yes, you can have multiple health insurance plans in Arizona. Your primary plan pays claims first, and the secondary plan covers remaining eligible costs. This applies when spouses both have employer coverage or when Medicare pairs with supplemental insurance.
Our Review Methodology
Arizona's health insurance market consists primarily of HMO plans. Monthly premiums constitute your largest ongoing expense, so our rankings weight them most heavily. Maximum out-of-pocket limits and deductibles determine total annual spending.
Our Scoring System
MoneyGeek weighted three cost factors:
- Monthly premium (60%): Recurring monthly payments most affect affordability. Lower premiums score higher.
- Maximum out-of-pocket (20%): Annual cost caps beyond premiums. Lower limits score higher.
- Deductible (20%): Amount paid before coverage begins. Lower deductibles score higher.
Scores are adjusted for each filter combination. For Silver-tier HMO plans, the top provider gets a 5.0 score. All others are ranked relative to that leader.
Sample Consumer Profile
We reviewed every 2026 plan in Arizona for ages 18, 26, 40, 50 and 60. Pricing reflects 40-year-olds unless noted otherwise. Our analysis covers all metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.