Ambetter provides Arizona's cheapest overall health insurance, with an average monthly premium of $323. However, availability may vary, so we also recommend UnitedHealthcare, Antidote Health, Cigna and Imperial Insurance Companies Inc. for affordable health plans in the state.
Most Affordable Health Insurance in Arizona
Updated: June 6, 2025
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Key Takeaways
Ambetter offers Arizona's most affordable health insurance, with average monthly savings of $287 compared to the state average.
Blue Cross Blue Shield offers the best full coverage (gold) plans, with rates starting as low as $478 per month.
To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.
Most Affordable Health Insurance Companies in Arizona
| Ambetter | $323 | $287 |
| UnitedHealthcare | $369 | $242 |
| Antidote Health | $416 | $195 |
| Cigna | $442 | $168 |
| Imperial Insurance Companies, Inc. | $514 | $96 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Arizona Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Arizona, the most affordable plan for you will differ widely depending on your desired coverage tier and age. So below we've broken down the cheapest companies by category for most in the state:
- Cheapest For Young Adults: Blue Cross Blue Shield ($300 monthly)
- Cheapest For Seniors: Blue Cross Blue Shield ($794 monthly)
- Cheapest Catastrophic Plan: Oscar ($297 monthly)
- Cheapest Expanded Bronze Plan: Blue Cross Blue Shield ($306 monthly)
- Cheapest Bronze Plan: Cigna ($559 monthly)
- Cheapest Silver Plan: Blue Cross Blue Shield ($374 monthly)
- Cheapest Gold Plan: Blue Cross Blue Shield ($478 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors). Your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
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Age:40
| Blue Cross Blue Shield | Blue AdvanceHealth Silver - PimaFocus Network | $374 | $178 | $6,600 |
Cheapest Health Insurance Plans by County in Arizona
Ambetter is the most affordable and available for silver plans in Cochise, Graham and Greenlee counties, while Blue Cross Blue Shield leads in most other areas. Below, you can review which company and plan are most affordable in your area.
| Apache | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Cochise | Ambetter | $391 | Clear Silver |
| Coconino | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Gila | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Graham | Ambetter | $391 | Clear Silver |
| Greenlee | Ambetter | $391 | Clear Silver |
| La Paz | Blue Cross Blue Shield | $442 | Blue AdvanceHealth Silver - Neighborhood Network |
| Maricopa | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Mohave | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Navajo | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Pima | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Pinal | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Santa Cruz | Blue Cross Blue Shield | $307 | Blue ACA StandardHealth Silver with Health Choice |
| Yavapai | Blue Cross Blue Shield | $442 | Blue AdvanceHealth Silver - Neighborhood Network |
| Yuma | Blue Cross Blue Shield | $442 | Blue AdvanceHealth Silver - Neighborhood Network |
How to Find the Cheapest Health Insurance in Arizona
Follow these steps to find affordable health insurance in Arizona:
- 1
Determine what coverage plan you need and can afford
Your type of coverage plan and tier will differ widely depending on your personal health circumstances and income. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits.
- 2
Find out your subsidy eligibility
Individuals with incomes between $14,580 and $54,000 may qualify for premium tax credits, which can result in 40% to 100% cost reductions. Moreover, if you're earning below 250% of the Federal Poverty Level ($36,450), you could qualify for cost-sharing reductions that significantly lower out-of-pocket expenses by up to 73%.
- 3
Consider federal programs if old enough
If you are older, you should explore Medicare and Medicaid programs, such as Medicare Advantage plans and Medicare Supplement plans. These plans are typically more affordable than traditional options and offer flexibility with coverage choices.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15, but you may also qualify for Special Enrollment if you've experienced life changes like job loss, divorce or childbirth. Be thorough in comparing plan types, customer ratings, costs and their availability with your medical providers.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Submit your application at least five days before the deadline to prevent technical hiccups. Gather your income details, Social Security numbers and immigration documents in advance for a seamless enrollment experience.
Most Affordable Health Insurance in Arizona: Bottom Line
Ambetter, Antidote Health, Cigna and UnitedHealthcare are Arizona's most affordable health insurance companies. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Arizona Health Insurance: FAQ
Below are frequently asked questions about cheap health insurance in Arizona:
What is the cheapest health insurance in Arizona?
Ambetter offers the cheapest health insurance in Arizona, with silver plans starting at $323 for 40-year-olds. However, Imperial, Antidote Health, Cigna and UnitedHealthcare could suit your needs based on income and preferences.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans often lead to higher out-of-pocket expenses during medical encounters despite lower monthly premiums. Conversely, costlier plans provide extensive coverage and significantly reduce out-of-pocket maximums.
Do I qualify for subsidies on health insurance in Arizona?
People earning $14,580 to $54,000 annually qualify for premium tax credits that reduce costs by 40% to 100%. Those earning under $36,450 (250% of the Federal Poverty Level) can also receive cost-sharing reductions that lower out-of-pocket expenses by up to 73%.
When can I enroll in health insurance in Arizona?
Open Enrollment is from November 1 to January 15, though Special Enrollment is available with qualifying life events.
How We Decided the Cheapest Health Insurance Companies in Arizona
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Arizona based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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.