ACA plans available
24
Plan year 2026
2026 data Public-data reference. official source
Mohave, Arizona Health Insurance
Open-data reference.
24 ACA plans from 2 issuers - Plan year 2026
Mohave, Arizona offers 24 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $563/mo and Silver plans start at $726/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$787
Avg Silver Premium/mo
$738
Benchmark Premium/mo
+42.8%
Year-over-Year Change
$5,517
Avg Deductible
What the Numbers Say About Mohave
Mohave, Arizona has 24 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $787/mo for a 27-year-old non-tobacco user, with the lowest Silver at $726 and the highest at $868. Bronze plans start at $563/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $738/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 $5,517 and the average out-of-pocket maximum is $9,027 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Mohave shifted by +42.8%, 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 Mohave, consumers have some competitive choice, though narrower than the most competitive counties. Every plan sold in Mohave 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
1 plan$563/mo avg
$563 - $563
Silver
9 plans$787/mo avg
$726 - $868
Gold
7 plans$949/mo avg
$862 - $1,062
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Mohave is $738/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
$738 /mo
Sets your subsidy ceiling
Avg deductible
$5,517
Across all metal tiers
Mohave ACA plans by premium and deductible
Each marker is the Mohave 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 Mohave, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Mohave
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 14 | $740/mo |
| Blue Cross Blue Shield of Arizona | 10 | $850/mo |
All Plans in Mohave
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $562.54 | $686.00 | $10,600 | $10,600 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $592.23 | $722.21 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $616.09 | $751.31 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $623.46 | $760.29 | $0 | $10,600 |
| AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $640.17 | $780.66 | $10,150 | $10,150 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $647.33 | $789.39 | $0 | $10,600 |
| AZ Blue StandardHealth Bronze Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $682.71 | $832.54 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Neighborhood Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $762.91 | $930.34 | $7,100 | $7,100 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $726.22 | $885.60 | $6,000 | $8,900 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $738.48 | $900.56 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $740.35 | $902.83 | $4,500 | $10,150 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $758.27 | $924.69 | $0 | $10,600 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $763.96 | $931.62 | $4,500 | $10,150 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $781.88 | $953.48 | $0 | $10,600 |
| AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $844.10 | $1,029.35 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Neighborhood Blue Cross Blue Shield of Arizona | Silver | HMO | $859.77 | $1,048.46 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $868.36 | $1,058.93 | $7,500 | $9,200 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $862.30 | $1,051.55 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $873.26 | $1,064.91 | $1,250 | $8,000 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $897.12 | $1,094.01 | $1,250 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $897.60 | $1,094.59 | $0 | $7,800 |
| AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,008.95 | $1,230.38 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $1,039.53 | $1,267.67 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Neighborhood Blue Cross Blue Shield of Arizona | Gold | HMO | $1,062.28 | $1,295.42 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $584/mo | $526 | $675 | 4 | 1 |
| 2023 | $607/mo | $567 | $667 | 6 | 1 |
| 2024 | $547/mo | $494 | $667 | 10 | 2 |
| 2025 | $567/mo | $477 | $715 | 11 | 2 |
| 2026 | $787/mo | $726 | $868 | 9 | 2 |
Frequently Asked Questions
How many ACA plans are available in Mohave, AZ?
There are 24 ACA marketplace plans available in Mohave from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Mohave?
The lowest-premium plan in Mohave starts at $563/mo (Bronze tier, age 27). Silver plans start at $726/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Mohave?
The benchmark (second-lowest Silver) premium in Mohave is $738/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 Mohave?
Average premiums in Mohave changed by +42.8% 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 Mohave?
The average annual deductible across all plans in Mohave is $5,517, and the average out-of-pocket maximum is $9,027. 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 Mohave?
There are 2 insurance issuers offering ACA marketplace plans in Mohave, including UnitedHealthcare, 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 Mohave, AZ's $738/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
