ACA plans available
9
Plan year
2026 data Public-data reference. official source
Apache, Arizona Health Insurance
Open-data reference.
9 ACA plans from 1 issuer — Plan year 2026
Apache, Arizona offers 9 ACA marketplace plans from 1 issuer for plan year 2026. Silver plans start at $844/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$857
Avg Silver Premium/mo
$860
Benchmark Premium/mo
+41.7%
Year-over-Year Change
$5,969
Avg Deductible
What the Numbers Say About Apache
Apache, Arizona has 9 ACA marketplace plans offered by 1 issuer for plan year 2026. The average Silver-tier premium comes in at $857/mo for a 27-year-old non-tobacco user, with the lowest Silver at $844 and the highest at $868.
The benchmark (second-lowest Silver) premium is $860/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,969 and the average out-of-pocket maximum is $8,172 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Apache shifted by +41.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 1 issuer active in Apache, consumers face limited competition, which historically correlates with higher benchmark premiums. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
3 plans$857/mo avg
$844 — $868
Gold
3 plans$1,037/mo avg
$1,009 — $1,062
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Apache is $860/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
1
Limited competition
Benchmark Silver
$860 /mo
Sets your subsidy ceiling
Avg deductible
$5,969
Across all metal tiers
Apache ACA plans by premium and deductible
Each marker is the Apache average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Apache, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Apache
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of Arizona | 9 | $863/mo |
All Plans in Apache
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $640.17 | $780.66 | $10,150 | $10,150 |
| AZ Blue StandardHealth Bronze Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $682.71 | $832.54 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $762.91 | $930.34 | $7,100 | $7,100 |
| AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $844.10 | $1,029.35 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Neighborhood Blue Cross Blue Shield of Arizona | Silver | HMO | $859.77 | $1,048.46 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $868.36 | $1,058.93 | $7,500 | $9,200 |
| AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,008.95 | $1,230.38 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,039.53 | $1,267.67 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Neighborhood Blue Cross Blue Shield of Arizona | Gold | HMO | $1,062.28 | $1,295.42 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $584/mo | $526 | $675 | 4 | 1 |
| 2023 | $607/mo | $567 | $667 | 6 | 1 |
| 2024 | $591/mo | $539 | $667 | 5 | 1 |
| 2025 | $630/mo | $572 | $715 | 5 | 1 |
| 2026 | $857/mo | $844 | $868 | 3 | 1 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Arizona
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Apache, AZ?
There are 9 ACA marketplace plans available in Apache from 1 insurance issuer for plan year 2026.
What is the cheapest health insurance plan in Apache?
Silver plans in Apache start at $844/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Apache?
The benchmark (second-lowest Silver) premium in Apache is $860/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Apache?
Average premiums in Apache changed by +41.7% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Apache?
The average annual deductible across all plans in Apache is $5,969, and the average out-of-pocket maximum is $8,172. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Apache?
There are 1 insurance issuer offering ACA marketplace plans in Apache, including Blue Cross Blue Shield of Arizona. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
