ACA plans available
78
Plan year 2026
CMS Marketplace county · plan year 2026
Pinal, 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
- $482
- Silver avg/mo
- 78
- ACA plans
- 6
- Issuers
- +25.5%
- YoY premium
Silver avg $482/mo
Pinal, Arizona has 78 ACA marketplace plans from 6 issuers (plan year 2026). Average Silver premium is $482/mo; Bronze averages $398/mo and Gold $569/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1906 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $411/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Pinal, Arizona ranks #1,906 of 2,055 counties by listed Silver average ($482/mo) and #188 of 2,055 by plan count (78 plans).
- #1,906 of 2,055
- Silver average among 2,055 counties
- $482
- Listed Silver average /mo
- #188 of 2,055
- Plan count among 2,055 counties
- 78
- 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.
Pinal, Arizona offers 78 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $329/mo and Silver plans start at $409/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$482
Avg Silver Premium/mo
$411
Benchmark Premium/mo
+25.5%
Year-over-Year Change
$5,594
Avg Deductible
Lower-premium band
Pinal in the lower-premium third
$482/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1906 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $409–$632/mo. Every plan sold in Pinal 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.
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
26 plans$398/mo avg
$329 - $555
Silver
27 plans$482/mo avg
$409 - $632
Gold
24 plans$569/mo avg
$485 - $773
Catastrophic plan available: avg $289/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Pinal is $411/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
6
Competitive market
Benchmark Silver
$411 /mo
Sets your subsidy ceiling
Avg deductible
$5,594
Across all metal tiers
B
Marketplace Access Score
71/100
Pinal
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 A+
$411/mo
Benchmark Silver premium; rank #1906 of 2055 tracked counties (cheapest first)
Plan Choice A+
78 plans
ACA marketplace plan count; rank #188 of 2055 tracked counties (most first)
Issuer Competition A+
6 issuers
Distinct marketplace issuers; rank #196 of 2055 tracked counties (most first)
Cost Predictability F
$5,594
Average deductible across tracked plans; rank #189 of 2055 tracked counties (lowest first)
Pinal ACA plans by premium and deductible
Each marker is the Pinal 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.
Pinal ACA marketplace plans: premium vs deductible
How Pinal's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Pinal vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$482 1906th of 2055 higher than 149 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 Pinal
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Health Plan, Inc. | 17 | $439/mo |
| Antidote Health Plan of Arizona, Inc. | 16 | $438/mo |
| 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 Pinal
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Catastrophic Standard Antidote Health Plan of Arizona, Inc. | Catastrophic | HMO | $289.22 | $352.70 | $10,600 | $10,600 |
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $360.80 | $439.99 | $10,600 | $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 | $329.08 | $401.31 | $8,700 | $10,600 |
| 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 | $337.85 | $411.99 | $8,700 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $352.39 | $429.73 | $7,500 | $10,000 |
| Bronze Simple Oscar Health Plan, Inc. | Expanded Bronze | HMO | $353.44 | $431.01 | $9,000 | $10,600 |
| 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 | $357.46 | $435.91 | $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 | $366.21 | $446.58 | $8,000 | $10,600 |
| Bronze Standard Antidote Health Plan of Arizona, Inc. | Expanded Bronze | HMO | $367.02 | $447.57 | $7,500 | $10,000 |
| Bronze Classic Standard Oscar Health Plan, Inc. | Expanded Bronze | HMO | $370.69 | $452.05 | $7,500 | $10,000 |
| Buena Salud Bronce Simple Para Diabetes Oscar Health Plan, Inc. | Expanded Bronze | HMO | $376.96 | $459.70 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Plan, Inc. | Expanded Bronze | HMO | $378.03 | $461.00 | $5,500 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $379.84 | $463.21 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. | Expanded Bronze | HMO | $384.28 | $468.61 | $5,500 | $10,150 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $395.15 | $481.87 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. | Expanded Bronze | HMO | $397.11 | $484.26 | $0 | $10,150 |
| 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 |
| 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 | $409.06 | $498.84 | $7,500 | $10,600 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $411.19 | $501.43 | $6,000 | $8,900 |
| 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 | $417.83 | $509.53 | $7,500 | $10,600 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $421.70 | $514.25 | $7,500 | $9,500 |
| 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 | $444.01 | $541.45 | $6,500 | $10,600 |
| Silver Simple PCP Saver Oscar Health Plan, Inc. | Silver | HMO | $447.48 | $545.69 | $5,750 | $9,400 |
| Silver Classic Standard Oscar Health Plan, Inc. | Silver | HMO | $447.91 | $546.21 | $6,000 | $8,900 |
| 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 | $452.76 | $552.13 | $6,500 | $10,600 |
| Silver Simple Diabetes Oscar Health Plan, Inc. | Silver | HMO | $454.28 | $553.98 | $6,500 | $10,000 |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. | Silver | HMO | $458.28 | $558.85 | $5,900 | $10,150 |
| Silver Simple Specialist Saver with COPD Oscar Health Plan, Inc. | Silver | HMO | $459.01 | $559.74 | $6,500 | $9,600 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Plan, Inc. | Silver | HMO | $460.52 | $561.59 | $6,000 | $10,150 |
| 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 |
| Silver Standard Antidote Health Plan of Arizona, Inc. | Silver | HMO | $478.66 | $583.71 | $6,000 | $8,900 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $479.55 | $584.79 | $6,000 | $8,900 |
| Silver Elite Saver Plus Oscar Health Plan, Inc. | Silver | HMO | $484.23 | $590.50 | $0 | $8,500 |
| 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 |
| Gold Simple Oscar Health Plan, Inc. | Gold | HMO | $492.83 | $600.99 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Health Plan, Inc. | Gold | HMO | $496.13 | $605.01 | $2,000 | $8,200 |
| Gold Simple Diabetes Oscar Health Plan, Inc. | Gold | HMO | $498.67 | $608.11 | $2,000 | $9,800 |
| Gold Classic Oscar Health Plan, Inc. | Gold | HMO | $502.95 | $613.33 | $3,500 | $7,750 |
| 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 | $520.30 | $634.48 | $3,000 | $9,000 |
| 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 | $529.05 | $645.16 | $3,000 | $9,000 |
| 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 |
| 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 | $557.21 | $679.49 | $3,000 | $9,000 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $560.09 | $683.01 | $1,250 | $8,000 |
| 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 | $565.96 | $690.17 | $3,000 | $9,000 |
| 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 |
| Gold Standard Antidote Health Plan of Arizona, Inc. | Gold | HMO | $588.14 | $717.22 | $2,000 | $8,200 |
| 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 | $370/mo | $317 | $528 | 44 | 6 |
| 2023 | $366/mo | $312 | $521 | 50 | 6 |
| 2024 | $358/mo | $292 | $522 | 34 | 6 |
| 2025 | $368/mo | $302 | $559 | 29 | 6 |
| 2026 | $482/mo | $409 | $632 | 27 | 6 |
What this means for Pinal
Use Pinal's own numbers here, not a national average, before you enroll.
- $482/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 78 plans from 6 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
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 Pinal's Silver premium in the lower band?
Pinal ranks #1906 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $482/mo. See /methodology#corpus-placement.
How many ACA plans compete in Pinal?
Pinal carries 78 ACA plans from 6 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Pinal?
The lowest-premium plan in Pinal starts at $329/mo (Bronze tier, age 27). Silver plans start at $409/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Pinal?
The benchmark (second-lowest Silver) premium in Pinal is $411/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Pinal premiums rise +25.5% year-over-year?
The average age-27 premium in Pinal changed by +25.5% 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 Pinal?
The average annual deductible across all plans in Pinal is $5,594, and the average out-of-pocket maximum is $9,206. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Pinal's crowded market?
There are 6 insurance issuers offering ACA marketplace plans in Pinal, 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 Pinal, AZ's $411/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 Pinal, 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 ($411/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (6 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.