How much does health insurance cost in Arizona in 2026?
Real prices from the official 2026 HealthCare.gov plan file for all 15 counties in Arizona, plus tax-credit examples and private plan ranges.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $454–$573 | $516–$651 | $581–$733 | $811–$1,024 | $1,233–$1,556 |
| Silver | $552–$653 | $627–$741 | $706–$834 | $986–$1,165 | $1,498–$1,771 |
| Gold | $604–$798 | $685–$906 | $771–$1,020 | $1,078–$1,426 | $1,638–$2,167 |
Typical county range (median of county lows to median of county highs), full price, from the CMS 2026 plan file. The cheapest county goes as low as $375 for a 40-year-old on Bronze; the most expensive county reaches $1,315 on Gold.
Ranges at a glance (age 40)
What a tax credit does (in Maricopa County, the state's most populous county)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $197/mo | $388 → $191 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $906/mo | $1,232 → $326 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Arizona
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Private plans in Arizona
| Age | Man, monthly range | Woman, monthly range |
|---|---|---|
| 30 | $50–$325 | $119–$417 |
| 40 | $109–$445 | $143–$494 |
| 50 | $223–$505 | $212–$500 |
| 60 | $366–$688 | $310–$630 |
A family of four (parents 40 and 38 with two children) is typically quoted $460 to $932 a month in Arizona. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.
Arizona counties
| County | Plans | Insurers | Cheapest Bronze, 40 | Silver benchmark, 40 |
|---|---|---|---|---|
| Maricopa County | 86 | 7 | $388 | $484 |
| Pima County | 86 | 7 | $375 | $449 |
| Pinal County | 78 | 6 | $401 | $501 |
| Yavapai County | 22 | 3 | $731 | $875 |
| Mohave County | 24 | 2 | $686 | $901 |
| Yuma County | 14 | 2 | $772 | $924 |
| Coconino County | 26 | 2 | $647 | $786 |
| Cochise County | 25 | 2 | $581 | $713 |
| Navajo County | 14 | 2 | $559 | $669 |
| Apache County | 9 | 1 | $781 | $1,048 |
| Gila County | 45 | 4 | $430 | $514 |
| Santa Cruz County | 62 | 5 | $375 | $449 |
| Graham County | 30 | 3 | $561 | $671 |
| La Paz County | 28 | 3 | $702 | $921 |
| Greenlee County | 25 | 2 | $581 | $713 |
Questions people ask
How much is health insurance in Arizona per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $581 to $733 a month across Arizona counties, Silver $706 to $834, and the silver benchmark that tax credits are based on is about $713. Most people who qualify for a credit pay far less; see the examples above.
Does Arizona have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do Arizona residents enroll in a Marketplace plan?
Arizona uses HealthCare.gov. Open Enrollment for 2027 runs November 1 to mid-January; outside that window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in Arizona?
Often, for healthy households that do not qualify for a tax credit. A healthy 40-year-old man is typically quoted $109 to $445 a month on private plans in Arizona, versus $581 to $733 for Marketplace Bronze at full price. Private plans are medically underwritten and are not ACA plans, so anyone with a tax credit or ongoing conditions usually does better on the Marketplace.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.