With a score of 80 out of 100, Ambetter offers the best health insurance in Arizona, balancing affordability, customer service and coverage. If unavailable locally, Antidote Health, Blue Cross Blue Shield, Imperial Insurance and Oscar also provide excellent coverage options in the state.
Best Health Insurance in Arizona
Updated: June 21, 2025
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Key Takeaways
Overall, Ambetter offers the best and most balanced coverage in Arizona for health insurance.
Ambetter provides the best cheap health insurance in Arizona, with Silver-tier plans averaging $323 monthly, where available.
To find the best health insurance in Arizona, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Arizona
| Ambetter | 80 | Clear Silver |
| Blue Cross Blue Shield | 79 | Blue ACA StandardHealth Silver with Health Choice |
| Imperial Insurance Companies, Inc. | 78 | Imperial Standard Silver |
| Antidote Health | 73 | Silver Standard |
| Oscar | 70 | Silver Classic Standard |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Arizona by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
| Children/Familes | Ambetter |
| Young Adults | Ambetter |
| Seniors | Ambetter |
| PPO | Blue Cross Blue Shield |
| HMO | Ambetter |
Best Arizona Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability, and customer service reputation.
Ambetter: Best Overall
pros
Comprehensive benefits and member rewards
Expanded coverage area and digital convenience
Best overall for most in Arizona
cons
Significant customer service and administrative issues
COMPANY HIGHLIGHTS
Ambetter from Arizona Complete Health was our pick for Arizona's best overall health insurance. Its comprehensive coverage includes preventive care, mental health services and prescription drugs across nine counties. It is also the cheapest health insurance provider in the state. It provides unique wellness programs like My Health Pays (which rewards up to $500 annually) and YMCA memberships at no extra cost.
Blue Cross Blue Shield: Best Customer Reputation
pros
Second-most-affordable rates in the state
Highest customer reputation score in Arizona
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Blue Cross Blue Shield of Arizona excels in customer service as the state's largest health insurer, serving over 2 million customers with deep local roots and 75 years of experience in the state. The company earns above-average ratings from the National Committee of Quality Assurance, with a 3.5 out of 5 score for customer satisfaction. It offers comprehensive statewide PPO networks with access to over 90% of Arizona's doctors and hospitals.
How to Find the Best Health Insurance for You in Arizona
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from different providers ensures you get the best possible deal. We found that rates can start as low as $323 per month in Arizona, depending on your profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, have gotten divorced or have had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Arizona Medicare Supplement and best Medicare Advantage plans in Arizona if you want to learn more.
Best Health Insurance in Arizona: Bottom Line
Overall, our top three picks for Arizona health insurance are Ambetter, Blue Cross Blue Shield and Imperial Insurance. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Arizona Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Arizona:
What is the best health insurance provider in Arizona for 2025?
Ambetter provides the best health insurance in Arizona for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Arizona?
When finding the best health insurance plan, compare premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Arizona
To rank health care insurance providers in Arizona, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Arizona" and "Best Health Insurance in Arizona for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Arizona," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Arizona for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.