ACA plans available
26
Plan year 2026
2026 data Public-data reference. official source
Coconino, Arizona Health Insurance
Open-data reference.
26 ACA plans from 2 issuers - Plan year 2026
Coconino, Arizona offers 26 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $616/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$702
Avg Silver Premium/mo
$644
Benchmark Premium/mo
+42.0%
Year-over-Year Change
$5,705
Avg Deductible
What the Numbers Say About Coconino
Coconino, Arizona has 26 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $702/mo for a 27-year-old non-tobacco user, with the lowest Silver at $616 and the highest at $803.
The benchmark (second-lowest Silver) premium is $644/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,705 and the average out-of-pocket maximum is $8,352 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Coconino shifted by +42.0%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Coconino, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Coconino is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling. 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
8 plans$702/mo avg
$616 - $803
Gold
9 plans$822/mo avg
$705 - $982
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Coconino is $644/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
2
Some competition
Benchmark Silver
$644 /mo
Sets your subsidy ceiling
Avg deductible
$5,705
Across all metal tiers
Coconino ACA plans by premium and deductible
Each marker is the Coconino average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Coconino, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Coconino
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Arizona Complete Health | 16 | $654/mo |
| Blue Cross Blue Shield of Arizona | 10 | $780/mo |
All Plans in Coconino
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Everyday Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $530.24 | $646.61 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $532.46 | $649.32 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $544.12 | $663.54 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $546.41 | $666.32 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $575.69 | $702.04 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $590.76 | $720.42 | $7,250 | $7,250 |
| AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $591.84 | $721.73 | $10,150 | $10,150 |
| AZ Blue StandardHealth Bronze Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $631.18 | $769.70 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $705.32 | $860.12 | $7,100 | $7,100 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $616.14 | $751.36 | $6,000 | $8,900 |
| Standard Silver Ambetter from Arizona Complete Health | Silver | HMO | $644.44 | $785.87 | $6,000 | $8,900 |
| Complete Silver Ambetter from Arizona Complete Health | Silver | HMO | $651.43 | $794.39 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $661.31 | $806.44 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $668.48 | $815.19 | $5,950 | $8,850 |
| AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $780.39 | $951.65 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Neighborhood Blue Cross Blue Shield of Arizona | Silver | HMO | $794.87 | $969.32 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $802.81 | $979.00 | $7,500 | $9,200 |
| Standard Gold Ambetter from Arizona Complete Health | Gold | HMO | $704.62 | $859.26 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $723.07 | $881.76 | $2,000 | $8,200 |
| Complete Gold Ambetter from Arizona Complete Health | Gold | HMO | $734.84 | $896.12 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $754.08 | $919.58 | $1,450 | $7,500 |
| Elite Gold Ambetter from Arizona Complete Health | Gold | HMO | $793.33 | $967.44 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $814.10 | $992.77 | $0 | $6,500 |
| AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $932.79 | $1,137.51 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $961.06 | $1,171.98 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Neighborhood Blue Cross Blue Shield of Arizona | Gold | HMO | $982.10 | $1,197.64 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $514/mo | $465 | $675 | 19 | 2 |
| 2023 | $516/mo | $453 | $667 | 23 | 3 |
| 2024 | $501/mo | $373 | $667 | 23 | 4 |
| 2025 | $515/mo | $396 | $715 | 17 | 3 |
| 2026 | $702/mo | $616 | $803 | 8 | 2 |
Frequently Asked Questions
How many ACA plans are available in Coconino, AZ?
There are 26 ACA marketplace plans available in Coconino from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Coconino?
Silver plans in Coconino start at $616/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Coconino?
The benchmark (second-lowest Silver) premium in Coconino is $644/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 Coconino?
Average premiums in Coconino changed by +42.0% 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 Coconino?
The average annual deductible across all plans in Coconino is $5,705, and the average out-of-pocket maximum is $8,352. 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 Coconino?
There are 2 insurance issuers offering ACA marketplace plans in Coconino, including Ambetter from Arizona Complete Health, 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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Coconino, AZ's $644/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
