ACA plans available
45
Plan year
2026 data Public-data reference. official source
Gila, Arizona Health Insurance
Open-data reference.
45 ACA plans from 4 issuers — Plan year 2026
Gila, Arizona offers 45 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $361/mo and Silver plans start at $411/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$506
Avg Silver Premium/mo
$422
Benchmark Premium/mo
+40.7%
Year-over-Year Change
$5,422
Avg Deductible
What the Numbers Say About Gila
Gila, Arizona has 45 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $506/mo for a 27-year-old non-tobacco user, with the lowest Silver at $411 and the highest at $632. Bronze plans start at $361/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $422/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 $5,422 and the average out-of-pocket maximum is $8,799 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Gila shifted by +40.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Gila, consumers have meaningful competition to pressure premiums lower. 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
Bronze
1 plan$361/mo avg
$361 — $361
Silver
15 plans$506/mo avg
$411 — $632
Gold
15 plans$594/mo avg
$485 — $773
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Gila is $422/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
4
Competitive market
Benchmark Silver
$422 /mo
Sets your subsidy ceiling
Avg deductible
$5,422
Across all metal tiers
Gila ACA plans by premium and deductible
Each marker is the Gila 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 Gila, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Gila
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Arizona Complete Health | 16 | $493/mo |
| UnitedHealthcare | 14 | $474/mo |
| Blue Cross Blue Shield of Arizona | 10 | $613/mo |
| Imperial Insurance Companies, Inc. | 5 | $432/mo |
All Plans in Gila
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $360.80 | $439.99 | $10,600 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $352.39 | $429.73 | $7,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $379.84 | $463.21 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $395.15 | $481.87 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $399.20 | $486.81 | $8,450 | $10,150 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $399.88 | $487.63 | $0 | $10,600 |
| Standard Expanded Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $400.87 | $488.85 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $409.65 | $499.56 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $411.37 | $501.65 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $415.18 | $506.30 | $0 | $10,600 |
| Choice Bronze HSA Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $433.42 | $528.54 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $444.77 | $542.38 | $7,250 | $7,250 |
| AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $465.73 | $567.94 | $10,150 | $10,150 |
| AZ Blue StandardHealth Bronze Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $496.68 | $605.69 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $555.03 | $676.84 | $7,100 | $7,100 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $411.19 | $501.43 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $421.70 | $514.25 | $7,500 | $9,500 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $473.65 | $577.60 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $474.84 | $579.05 | $4,500 | $10,150 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $479.55 | $584.79 | $6,000 | $8,900 |
| Standard Silver Ambetter from Arizona Complete Health | Silver | HMO | $485.17 | $591.65 | $6,000 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $486.34 | $593.07 | $0 | $10,600 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $489.98 | $597.52 | $4,500 | $10,150 |
| Complete Silver Ambetter from Arizona Complete Health | Silver | HMO | $490.44 | $598.07 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $497.88 | $607.14 | $6,000 | $8,900 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $501.48 | $611.54 | $0 | $10,600 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $503.28 | $613.73 | $5,950 | $8,850 |
| AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $614.10 | $748.87 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Focus Blue Cross Blue Shield of Arizona | Silver | HMO | $625.50 | $762.77 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $631.75 | $770.39 | $7,500 | $9,200 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $484.85 | $591.25 | $2,000 | $8,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $491.31 | $599.13 | $1,000 | $8,000 |
| Standard Gold Ambetter from Arizona Complete Health | Gold | HMO | $530.48 | $646.91 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $544.37 | $663.84 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $553.06 | $674.44 | $2,000 | $8,200 |
| Complete Gold Ambetter from Arizona Complete Health | Gold | HMO | $553.24 | $674.65 | $1,450 | $7,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $560.09 | $683.01 | $1,250 | $8,000 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $567.72 | $692.32 | $1,450 | $7,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $575.39 | $701.67 | $1,250 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $575.70 | $702.04 | $0 | $7,800 |
| Elite Gold Ambetter from Arizona Complete Health | Gold | HMO | $597.27 | $728.35 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $612.91 | $747.42 | $0 | $6,500 |
| AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $734.03 | $895.12 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $756.28 | $922.25 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Focus Blue Cross Blue Shield of Arizona | Gold | HMO | $772.83 | $942.44 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $383/mo | $341 | $528 | 24 | 3 |
| 2023 | $383/mo | $325 | $521 | 26 | 3 |
| 2024 | $371/mo | $292 | $522 | 21 | 3 |
| 2025 | $372/mo | $302 | $559 | 24 | 5 |
| 2026 | $506/mo | $411 | $632 | 15 | 4 |
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 Gila, AZ?
There are 45 ACA marketplace plans available in Gila from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Gila?
The lowest-premium plan in Gila starts at $361/mo (Bronze tier, age 27). Silver plans start at $411/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Gila?
The benchmark (second-lowest Silver) premium in Gila is $422/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 Gila?
Average premiums in Gila changed by +40.7% 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 Gila?
The average annual deductible across all plans in Gila is $5,422, and the average out-of-pocket maximum is $8,799. 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 Gila?
There are 4 insurance issuers offering ACA marketplace plans in Gila, including Ambetter from Arizona Complete Health, UnitedHealthcare, Blue Cross Blue Shield of Arizona, and others. 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
