Cheapest Health Insurance in Arizona: Affordable Plans for 2026

Antidote Health has the cheapest health insurance in Arizona, averaging $551 per month, followed by Oscar at $559. Antidote saves just $8 per month, or $96 per year, compared with Oscar, but its $5,692 average deductible is $2,233 higher than Oscar's $3,459 deductible.

That makes Oscar worth comparing for shoppers who expect to use their coverage regularly. Antidote minimizes the fixed monthly premium, while Oscar charges 1% more on average and provides substantially lower cost sharing before the deductible is met.

* 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 plans range from $429 per month for Expanded Bronze coverage to $566 for Gold, based on statewide averages for a 40-year-old. Antidote Health has the cheapest Expanded Bronze coverage, while Oscar has the lowest-cost Silver and Gold options. UnitedHealthcare's cheapest Bronze coverage averages $541, which is $19 more than Oscar's cheapest Silver option despite Bronze providing higher cost sharing.

Antidote's Expanded Bronze coverage averages $429 per month with a $6,135 deductible. Oscar's Silver coverage costs $93 more per month, or $1,116 more per year, but lowers the average deductible by $2,734 to $3,401. Expanded Bronze minimizes premiums, while Silver may provide better value for shoppers who expect enough medical care for the lower deductible and other cost-sharing differences to offset the additional premium.

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

Arizona's cheapest health insurance provider changes with age. Antidote Health has the lowest rates at ages 18, 26 and 40, ranging from $252 per month for an 18-year-old with Catastrophic coverage to $429 for a 40-year-old with Expanded Bronze coverage. Oscar becomes the cheapest option at ages 50 and 60, with Expanded Bronze rates of $599 and $911 per month.

For the cheapest Expanded Bronze coverage, the monthly premium rises from $429 at age 40 to $911 at age 60, a $482 increase. Adults under 30 can also buy Catastrophic plans, which have the lowest Arizona premiums in our analysis but come with a $10,600 deductible and out-of-pocket maximum. Starting at age 30, Catastrophic coverage requires a hardship or affordability exemption.

* 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 has the lowest estimated total annual cost at all three healthcare usage levels we analyzed. Its Expanded Bronze HMO costs an estimated $6,148 per year for someone with $1,000 in medical expenses, while its Gold HMO has the lowest estimated cost at $5,000 and $20,000 of medical spending, at $9,412 and $12,412, respectively.

The results show why the lowest-premium tier isn't always the lowest-cost option. Expanded Bronze is the cheapest health insurance plan in our low-use scenario, while Gold's higher premium is offset by lower cost sharing as medical spending increases. These estimates assume a 40-year-old pays covered expenses through the deductible and then 20% coinsurance up to the out-of-pocket maximum. Your actual costs will vary by plan benefits and services used.

Arizona's health insurance market has dozens of plans across multiple price points. MoneyGeek analyzed federal ACA 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 seven carriers across five age groups: 18, 26, 40, 50 and 60. We reviewed Bronze, Expanded Bronze, Silver and Gold plans across all eligible plan types in the state. Arizona has no Platinum-tier plans. 

Why We Focus on 40-Year-Olds

We use rates for 40-year-olds as the standard profile for insurer and plan comparisons. Holding age constant allows us to compare premiums, deductibles and out-of-pocket maximums without age-based premium differences affecting the rankings.

Age-Specific Rankings

We also rank insurers separately by age because the cheapest company can change as premiums increase. Antidote Health is cheapest in our analysis at ages 18, 26 and 40, while Oscar has the lowest rates at ages 50 and 60.