ACA plans available
86
Plan year 2026
CMS Marketplace county · plan year 2026
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
Maricopa, Arizona has 86 ACA marketplace plans from 7 issuers (plan year 2026). Average Silver premium is $455/mo; Bronze averages $378/mo and Gold $542/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Maricopa, Arizona ranks #1,998 of 2,055 counties by listed Silver average ($455/mo) and #135 of 2,055 by plan count (86 plans).
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Maricopa, Arizona offers 86 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $318/mo and Silver plans start at $387/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
Lower-premium band
$455/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1998 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $387–$540/mo. Every plan sold in Maricopa is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
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.
Catastrophic plan available: avg $290/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
The benchmark (second-lowest Silver) premium in Maricopa is $397/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.
ACA plans available
86
Plan year 2026
Issuers in market
7
Competitive market
Benchmark Silver
$397 /mo
Sets your subsidy ceiling
Avg deductible
$5,597
Across all metal tiers
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.
Each marker is the Maricopa 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.
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Maricopa vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$455 1998th of 2055 higher than 57 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
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Health Plan, Inc. | 17 | $396/mo |
| Antidote Health Plan of Arizona, Inc. | 16 | $439/mo |
| Ambetter from Arizona Complete Health | 16 | $476/mo |
| UnitedHealthcare | 14 | $470/mo |
| Blue Cross Blue Shield of Arizona | 10 | $496/mo |
| Cigna HealthCare of Arizona, Inc | 8 | $510/mo |
| Imperial Insurance Companies, Inc. | 5 | $407/mo |
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Catastrophic Standard Antidote Health Plan of Arizona, Inc. | Catastrophic | HMO | $290.09 | $353.76 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $357.23 | $435.63 | $10,600 | $10,600 |
| Connect Bronze 7400 Indiv Med Deductible Cigna HealthCare of Arizona, Inc | Bronze | HMO | $397.60 | $484.86 | $7,400 | $10,600 |
| Bronze Simple Oscar Health Plan, Inc. | Expanded Bronze | HMO | $318.47 | $388.36 | $9,000 | $10,600 |
| Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $330.07 | $402.51 | $8,700 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $331.60 | $404.38 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Health Plan, Inc. | Expanded Bronze | HMO | $334.02 | $407.32 | $7,500 | $10,000 |
| Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $338.86 | $413.23 | $8,700 | $10,600 |
| Buena Salud Bronce Simple Para Diabetes Oscar Health Plan, Inc. | Expanded Bronze | HMO | $339.67 | $414.22 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Plan, Inc. | Expanded Bronze | HMO | $340.63 | $415.39 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. | Expanded Bronze | HMO | $346.26 | $422.25 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. | Expanded Bronze | HMO | $357.82 | $436.35 | $0 | $10,150 |
| Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $358.53 | $437.22 | $8,000 | $10,600 |
| Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $367.31 | $447.93 | $8,000 | $10,600 |
| Bronze Standard Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $368.12 | $448.91 | $7,500 | $10,000 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $376.08 | $458.62 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $386.07 | $470.80 | $8,450 | $10,150 |
| AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $386.96 | $471.88 | $10,150 | $10,150 |
| Standard Expanded Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $387.69 | $472.77 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $391.23 | $477.09 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $395.91 | $482.80 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $396.18 | $483.12 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $397.84 | $485.15 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $411.06 | $501.28 | $0 | $10,600 |
| AZ Blue StandardHealth Bronze Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $412.92 | $503.54 | $7,500 | $10,000 |
| Connect Bronze CMS Standard Cigna HealthCare of Arizona, Inc | Expanded Bronze | HMO | $416.43 | $507.83 | $7,500 | $10,000 |
| Connect Bronze 9500 Indiv Med Deductible Cigna HealthCare of Arizona, Inc | Expanded Bronze | HMO | $417.57 | $509.21 | $9,500 | $9,500 |
| Choice Bronze HSA Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $419.16 | $511.15 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $430.13 | $524.53 | $7,250 | $7,250 |
| AZ Blue Portfolio Bronze HSA Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $461.15 | $562.36 | $7,100 | $7,100 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $386.93 | $471.85 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $396.82 | $483.90 | $7,500 | $9,500 |
| Silver Simple PCP Saver Oscar Health Plan, Inc. | Silver | HMO | $403.21 | $491.70 | $5,750 | $9,400 |
| Silver Classic Standard Oscar Health Plan, Inc. | Silver | HMO | $403.59 | $492.17 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Health Plan, Inc. | Silver | HMO | $409.34 | $499.17 | $6,500 | $10,000 |
| Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Silver | HMO | $410.29 | $500.34 | $7,500 | $10,600 |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. | Silver | HMO | $412.94 | $503.56 | $5,900 | $10,150 |
| Silver Simple Specialist Saver with COPD Oscar Health Plan, Inc. | Silver | HMO | $413.59 | $504.36 | $6,500 | $9,600 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Plan, Inc. | Silver | HMO | $414.96 | $506.03 | $6,000 | $10,150 |
| Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Silver | HMO | $419.08 | $511.06 | $7,500 | $10,600 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $429.53 | $523.80 | $6,000 | $8,900 |
| Silver Elite Saver Plus Oscar Health Plan, Inc. | Silver | HMO | $436.32 | $532.08 | $0 | $8,500 |
| Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Silver | HMO | $445.34 | $543.08 | $6,500 | $10,600 |
| Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Silver | HMO | $454.12 | $553.79 | $6,500 | $10,600 |
| AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $461.56 | $562.85 | $7,500 | $9,200 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $468.95 | $571.87 | $6,000 | $8,900 |
| Standard Silver Ambetter from Arizona Complete Health | Silver | HMO | $469.21 | $572.19 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $470.14 | $573.31 | $4,500 | $10,150 |
| AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $472.54 | $576.24 | $7,200 | $7,200 |
| Complete Silver Ambetter from Arizona Complete Health | Silver | HMO | $474.30 | $578.40 | $5,950 | $8,850 |
| Silver Standard Antidote Health Plan of Arizona, Inc. | Silver | HMO | $480.10 | $585.46 | $6,000 | $8,900 |
| AZ Blue StandardHealth Silver Focus Blue Cross Blue Shield of Arizona | Silver | HMO | $481.05 | $586.62 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $481.50 | $587.17 | $6,000 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $481.52 | $587.19 | $0 | $10,600 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $485.13 | $591.60 | $4,500 | $10,150 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $486.72 | $593.54 | $5,950 | $8,850 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $496.51 | $605.48 | $0 | $10,600 |
| Connect Silver CMS Standard Cigna HealthCare of Arizona, Inc | Silver | HMO | $538.43 | $656.60 | $6,000 | $8,900 |
| Connect Silver 6100 Indiv Med Deductible Cigna HealthCare of Arizona, Inc | Silver | HMO | $538.95 | $657.24 | $6,100 | $8,500 |
| Connect Silver 4000 Indiv Med Deductible Cigna HealthCare of Arizona, Inc | Silver | HMO | $539.69 | $658.13 | $4,000 | $9,700 |
| Gold Simple Oscar Health Plan, Inc. | Gold | HMO | $444.07 | $541.53 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Health Plan, Inc. | Gold | HMO | $447.04 | $545.15 | $2,000 | $8,200 |
| Gold Simple Diabetes Oscar Health Plan, Inc. | Gold | HMO | $449.33 | $547.94 | $2,000 | $9,800 |
| Gold Classic Oscar Health Plan, Inc. | Gold | HMO | $453.19 | $552.65 | $3,500 | $7,750 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $456.24 | $556.37 | $2,000 | $8,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $462.32 | $563.78 | $1,000 | $8,000 |
| Standard Gold Ambetter from Arizona Complete Health | Gold | HMO | $513.03 | $625.63 | $2,000 | $8,200 |
| Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Gold | HMO | $521.86 | $636.39 | $3,000 | $9,000 |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $526.47 | $642.01 | $2,000 | $8,200 |
| Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx Antidote Health Plan of Arizona, Inc. | Gold | HMO | $530.64 | $647.10 | $3,000 | $9,000 |
| Complete Gold Ambetter from Arizona Complete Health | Gold | HMO | $535.04 | $652.46 | $1,450 | $7,500 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $547.58 | $667.75 | $2,000 | $8,200 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $549.05 | $669.54 | $1,450 | $7,500 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $554.53 | $676.24 | $1,250 | $8,000 |
| Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Gold | HMO | $558.88 | $681.54 | $3,000 | $9,000 |
| Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx Antidote Health Plan of Arizona, Inc. | Gold | HMO | $567.66 | $692.24 | $3,000 | $9,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $569.69 | $694.71 | $1,250 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $569.99 | $695.08 | $0 | $7,800 |
| Elite Gold Ambetter from Arizona Complete Health | Gold | HMO | $577.62 | $704.39 | $0 | $6,500 |
| Gold Standard Antidote Health Plan of Arizona, Inc. | Gold | HMO | $589.91 | $719.38 | $2,000 | $8,200 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $592.75 | $722.83 | $0 | $6,500 |
| AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $596.94 | $727.95 | $1,475 | $8,000 |
| Connect Gold 2500 Indiv Med Deductible Cigna HealthCare of Arizona, Inc | Gold | HMO | $607.91 | $741.33 | $2,500 | $8,200 |
| AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $610.24 | $744.16 | $4,800 | $4,800 |
| Connect Gold CMS Standard Cigna HealthCare of Arizona, Inc | Gold | HMO | $620.84 | $757.09 | $2,000 | $8,200 |
| AZ Blue StandardHealth Gold Focus Blue Cross Blue Shield of Arizona | Gold | HMO | $642.49 | $783.50 | $2,000 | $8,200 |
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $336/mo | $278 | $544 | 52 | 8 |
| 2023 | $347/mo | $294 | $537 | 54 | 8 |
| 2024 | $347/mo | $272 | $537 | 41 | 8 |
| 2025 | $353/mo | $282 | $576 | 37 | 8 |
| 2026 | $455/mo | $387 | $540 | 30 | 7 |
What this means for Maricopa
Use Maricopa's own numbers here, not a national average, before you enroll.
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.
Maricopa ranks #1998 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $455/mo. See /methodology#corpus-placement.
Maricopa carries 86 ACA plans from 7 issuers, putting it in the densest third of county inventories nationwide.
The lowest-premium plan in Maricopa starts at $318/mo (Bronze tier, age 27). Silver plans start at $387/mo. Actual premiums vary by age and may be reduced by premium tax credits.
The benchmark (second-lowest Silver) premium in Maricopa is $397/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
The average age-27 premium in Maricopa changed by +24.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
The average annual deductible across all plans in Maricopa is $5,597, and the average out-of-pocket maximum is $9,205. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
There are 7 insurance issuers offering ACA marketplace plans in Maricopa, including Oscar Health Plan, Inc., Antidote Health Plan of Arizona, Inc., Ambetter from Arizona Complete Health, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
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.
The closest counties nationwide to Maricopa, AZ's $397/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Two CMS Marketplace peer sets for Maricopa, 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.
Nearest other-state counties by benchmark premium ($397/mo here).
Nearest other-state counties by issuer count (7 here).
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.