Best Arizona Health Insurance (2023 Plans)

According to our study, Imperial Insurance Companies, Inc. is the top health insurance provider in Arizona, scoring 60 out of 100. This company excels in affordability and earned great marks in terms of claims management and has a 0% denial rate, which means it processes all eligible claims.

Our ranking is based on the analysis of Silver health insurance plans in Arizona, with 60 HMO plans and two PPO plans.

According to MoneyGeek's analysis, Oscar is the top health insurance provider in Arizona for low out-of-pocket costs, earning a score of 74 out of 100.

The company scored well for rates, MOOP and average denial rate, which means it processes most eligible claims from its customers.

Our ranking for this category was based on the analysis of Gold health insurance plans in Arizona. This included 38 HMO plans and three PPO plans.

Based on MoneyGeek’s analysis, Oscar is the top provider of affordable health insurance in Arizona, receiving a score of 67 out of 100.

In this category, we placed a greater emphasis on premium affordability in our scoring. It's worth noting that plans with lower monthly premiums may come with higher out-of-pocket costs. However, that may be a worthwhile trade-off if you do not anticipate needing frequent medical care.

Our ranking was based on the analysis of Silver health insurance plans in Arizona, consisting of 60 HMO plans and two PPO plans.

MoneyGeek also analyzed the cheapest health insurance in Arizona for those who just want the cheapest rates.

Our analysis found that Oscar is the top provider of health insurance for low-income Arizona residents, earning a score of 65 out of 100.

This evaluation was based on Silver plans that provide cost-sharing reductions (CSRs) and have low monthly premiums. In Arizona, this included a total of 60 HMO plans and two PPO plans.

CSRs are discounts that lower your maximum out-of-pocket (MOOP) and deductible expenses if your income is below 250% of the federal poverty level (FPL).

Silver plans typically cover about 70% of health care costs. However, the cost-sharing percentage varies based on your income:

• If your yearly income is between $27,180 and $33,975 (201% to 250% of the FPL), you may qualify for a health insurance plan that covers approximately 73% of your health care costs.
• If your yearly income is between $20,385 and $27,180 (151% to 200% of the FPL), you may qualify for a plan that covers approximately 87% of your health care costs.
• If your yearly income is below $20,385 (up to 150% of the FPL), you may qualify for a plan that covers approximately 94% of your health care costs.

These brackets may change based on how many people are in your household.

MoneyGeek's analysis found that Aetna is the top provider of health insurance for young adults in Arizona, receiving a score of 79 out of 100.

Our ranking was based on the evaluation of providers that offer Bronze or Catastrophic plans, which usually have lower premiums but higher out-of-pocket costs. Notably, Catastrophic plans are only available to individuals under the age of 30.

For this category, we assessed 10 Bronze plans, 46 Expanded Bronze plans and one Catastrophic plan in Arizona, totaling 57 HMO plans.

Health insurance companies typically offer various plan types. Based on MoneyGeek’s analysis, these are the top providers in Arizona for all available plan types:

• HMO: Imperial Insurance Companies, Inc. (MoneyGeek score: 64 out of 100)
• PPO: Blue Cross Blue Shield (MoneyGeek score: 100 out of 100)

This analysis of health insurance providers is limited to Silver plans, which usually have a good balance between cost and coverage.

In Arizona, you can choose from 60 HMO plans and two PPO Silver plans.

Based on our ratings, National General Accident & Health is the best short-term health insurance provider in Arizona, receiving a score of 95 out of 100.

Unlike Affordable Care Act (ACA)-compliant plans, short-term health insurance doesn't cover all essential health benefits. Consequently, they’re not ideal for long-term protection but can be a good option for folks who need temporary coverage and don't require comprehensive benefits.

When choosing a health insurance provider in Arizona, it's important to consider your budget and health care needs, including how much you can pay per month and how often you expect to need care.

Here are some tips to help you get the right health insurance plan.

Medicare is a government-funded health insurance program that offers reduced-cost medical services to eligible seniors over 65 years of age and individuals with qualifying illnesses or disabilities. It’s divided into three parts:

• Part A (Hospital Insurance) covers hospital stays, some home health care, nursing facilities and hospice care.
• Part B (Medical Insurance) covers outpatient care, like doctor visits and preventive services.
• Part D (Prescription Drug Coverage) helps pay for the cost of prescription medications.

We have resources available to assist you in finding the best Medicare Advantage plan in Arizona and the best Medicare Supplement plan in Arizona.

Furthermore, Medicaid is a federal program that offers health coverage to individuals with income below a specific level determined by the state.

To qualify for Arizona Medicaid, you must be

• A resident of Arizona
• A U.S. national, citizen, permanent resident or legal alien
• In need of health care/insurance assistance
• Have a low or very low income

In addition, you must either be:

• Pregnant
• Responsible for a child 17 years of age or younger
• Have a disability or a family member in your household with a disability

It’s normal to have questions about affordability and availability if you’re shopping for health insurance. That’s why MoneyGeek answered some commonly asked questions about health insurance in Arizona.