ACA plans available
28
Plan year 2026
CMS Marketplace county · plan year 2026
La Paz, Arizona ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $797
- Silver avg/mo
- 28
- ACA plans
- 3
- Issuers
- +33.7%
- YoY premium
Silver avg $797/mo
La Paz, Arizona has 28 ACA marketplace plans from 3 issuers (plan year 2026). Average Silver premium is $797/mo; Bronze averages $651/mo and Gold $946/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #208 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $755/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, La Paz, Arizona ranks #208 of 2,055 counties by listed Silver average ($797/mo) and #1,690 of 2,055 by plan count (28 plans).
- #208 of 2,055
- Silver average among 2,055 counties
- $797
- Listed Silver average /mo
- #1,690 of 2,055
- Plan count among 2,055 counties
- 28
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
La Paz, Arizona offers 28 ACA marketplace plans from 3 issuers for plan year 2026. Bronze plans start at $575/mo and Silver plans start at $739/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$797
Avg Silver Premium/mo
$755
Benchmark Premium/mo
+33.7%
Year-over-Year Change
$5,340
Avg Deductible
High-premium band
La Paz in the high-premium third
$797/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #208 of 2055 (highest Silver = #1).
Bronze starts at $575/mo; Silver spans $739–$880/mo (age 27). Benchmark (2nd-lowest Silver) is $755/mo, the subsidy ceiling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
9 plans$651/mo avg
$575 - $773
Silver
10 plans$797/mo avg
$739 - $880
Gold
9 plans$946/mo avg
$871 - $1,076
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in La Paz is $755/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.
Issuers in market
3
Some competition
Benchmark Silver
$755 /mo
Sets your subsidy ceiling
Avg deductible
$5,340
Across all metal tiers
F
Marketplace Access Score
21/100
La Paz
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability F
$755/mo
Benchmark Silver premium; rank #208 of 2055 tracked counties (cheapest first)
Plan Choice F
28 plans
ACA marketplace plan count; rank #1690 of 2055 tracked counties (most first)
Issuer Competition F
3 issuers
Distinct marketplace issuers; rank #1284 of 2055 tracked counties (most first)
Cost Predictability F
$5,340
Average deductible across tracked plans; rank #506 of 2055 tracked counties (lowest first)
La Paz ACA plans by premium and deductible
Each marker is the La Paz 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.
La Paz ACA marketplace plans: premium vs deductible
How La Paz's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
La Paz vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$797 208th of 2055 higher than 1,847 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in La Paz
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 14 | $757/mo |
| Blue Cross Blue Shield of Arizona | 9 | $874/mo |
| Imperial Insurance Companies, Inc. | 5 | $776/mo |
All Plans in La Paz
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $575.48 | $701.78 | $10,600 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $605.85 | $738.81 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $630.26 | $768.58 | $7,500 | $10,000 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $632.90 | $771.80 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $637.80 | $777.77 | $0 | $10,600 |
| AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $648.42 | $790.72 | $10,150 | $10,150 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $662.21 | $807.54 | $0 | $10,600 |
| AZ Blue StandardHealth Bronze Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $691.51 | $843.27 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $772.74 | $942.33 | $7,100 | $7,100 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $738.50 | $900.57 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $755.46 | $921.26 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $757.37 | $923.59 | $4,500 | $10,150 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $757.37 | $923.58 | $7,500 | $9,500 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $775.71 | $945.95 | $0 | $10,600 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $781.52 | $953.04 | $4,500 | $10,150 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $799.86 | $975.40 | $0 | $10,600 |
| AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $854.98 | $1,042.62 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Neighborhood Blue Cross Blue Shield of Arizona | Silver | HMO | $870.85 | $1,061.97 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $879.55 | $1,072.58 | $7,500 | $9,200 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $870.79 | $1,061.89 | $2,000 | $8,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $882.13 | $1,075.73 | $2,000 | $8,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $882.38 | $1,076.04 | $1,000 | $8,000 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $893.33 | $1,089.39 | $1,250 | $8,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $917.75 | $1,119.16 | $1,250 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $918.23 | $1,119.75 | $0 | $7,800 |
| AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,021.96 | $1,246.24 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,052.93 | $1,284.01 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Neighborhood Blue Cross Blue Shield of Arizona | Gold | HMO | $1,075.98 | $1,312.12 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $592/mo | $533 | $684 | 4 | 1 |
| 2023 | $615/mo | $574 | $675 | 6 | 1 |
| 2024 | $599/mo | $546 | $675 | 5 | 1 |
| 2025 | $579/mo | $507 | $724 | 10 | 2 |
| 2026 | $797/mo | $739 | $880 | 10 | 3 |
What this means for La Paz
Use La Paz's own numbers here, not a national average, before you enroll.
- $797/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 28 plans from 3 issuers puts La Paz in the thinnest third of tracked counties -- check the rest of Arizona for more options. All of Arizona
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is La Paz's Silver premium in the high band?
La Paz ranks #208 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $797/mo. See /methodology#corpus-placement.
Why does La Paz carry a thin ACA plan book?
La Paz lists 28 marketplace plans from 3 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the floor premium in high-cost La Paz?
The lowest-premium plan in La Paz starts at $575/mo (Bronze tier, age 27). Silver plans start at $739/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the La Paz benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in La Paz is $755/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did La Paz premiums rise +33.7% year-over-year?
The average age-27 premium in La Paz changed by +33.7% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in La Paz?
The average annual deductible across all plans in La Paz is $5,340, and the average out-of-pocket maximum is $9,013. 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 La Paz?
There are 3 insurance issuers offering ACA marketplace plans in La Paz, including UnitedHealthcare, Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc.. 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 La Paz, AZ's $755/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for La Paz, AZ, both outside AZ so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($755/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (3 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.