ACA plans available
86
Plan year 2026
2026 data Public-data reference. official source
Maricopa, Arizona Health Insurance
Open-data reference.
86 ACA plans from 7 issuers - Plan year 2026
Maricopa, Arizona offers 86 ACA marketplace plans from 7 issuers for plan year 2026. Bronze plans start at $357/mo and Silver plans start at $387/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$455
Avg Silver Premium/mo
$397
Benchmark Premium/mo
+33.7%
Year-over-Year Change
$5,597
Avg Deductible
What the Numbers Say About Maricopa
Maricopa, Arizona has 86 ACA marketplace plans offered by 7 issuers for plan year 2026. The average Silver-tier premium comes in at $455/mo for a 27-year-old non-tobacco user, with the lowest Silver at $387 and the highest at $540. Bronze plans start at $357/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $397/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 $5,597 and the average out-of-pocket maximum is $9,205 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Maricopa shifted by +33.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 7 issuers active in Maricopa, consumers have meaningful competition to pressure premiums lower. 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. 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
2 plans$377/mo avg
$357 - $398
Silver
30 plans$455/mo avg
$387 - $540
Gold
26 plans$542/mo avg
$444 - $642
Catastrophic plan available: avg $290/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
7
Competitive market
Benchmark Silver
$397 /mo
Sets your subsidy ceiling
Avg deductible
$5,597
Across all metal tiers
Maricopa ACA plans by premium and deductible
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.
Source: CMS Marketplace Public Use Files for Maricopa, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Maricopa
| 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 |
All Plans in Maricopa
| 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 |
Silver Premium Trend (2022-2026)
| 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 |
Frequently Asked Questions
How many ACA plans are available in Maricopa, AZ?
There are 86 ACA marketplace plans available in Maricopa from 7 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Maricopa?
The lowest-premium plan in Maricopa starts at $357/mo (Bronze tier, age 27). Silver plans start at $387/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Maricopa?
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.
How have premiums changed in Maricopa?
Average premiums in Maricopa changed by +33.7% 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 Maricopa?
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.
Which insurance companies offer plans in Maricopa?
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.
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 Maricopa, AZ's $397/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
