ACA plans available
62
Plan year
2026 data Public-data reference. official source
Santa Cruz, Arizona Health Insurance
Open-data reference.
62 ACA plans from 5 issuers — Plan year 2026
Santa Cruz, Arizona offers 62 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $364/mo and Silver plans start at $359/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$457
Avg Silver Premium/mo
$368
Benchmark Premium/mo
+37.9%
Year-over-Year Change
$5,405
Avg Deductible
What the Numbers Say About Santa Cruz
Santa Cruz, Arizona has 62 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $457/mo for a 27-year-old non-tobacco user, with the lowest Silver at $359 and the highest at $569. Bronze plans start at $364/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $368/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,405 and the average out-of-pocket maximum is $9,025 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Santa Cruz shifted by +37.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Santa Cruz, consumers have meaningful competition to pressure premiums lower. 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$364/mo avg
$364 — $364
Silver
22 plans$457/mo avg
$359 — $569
Gold
19 plans$539/mo avg
$423 — $696
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Santa Cruz is $368/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
5
Competitive market
Benchmark Silver
$368 /mo
Sets your subsidy ceiling
Avg deductible
$5,405
Across all metal tiers
Santa Cruz ACA plans by premium and deductible
Each marker is the Santa Cruz average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Santa Cruz, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Santa Cruz
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Oscar Health Plan, Inc. | 17 | $395/mo |
| Ambetter from Arizona Complete Health | 16 | $475/mo |
| UnitedHealthcare | 14 | $479/mo |
| Blue Cross Blue Shield of Arizona | 10 | $550/mo |
| Imperial Insurance Companies, Inc. | 5 | $377/mo |
All Plans in Santa Cruz
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential ($0 Virtual Urgent Care) UnitedHealthcare | Bronze | HMO | $364.06 | $443.96 | $10,600 | $10,600 |
| Imperial Standard Bronze Imperial Insurance Companies, Inc. | Expanded Bronze | HMO | $307.64 | $375.16 | $7,500 | $10,000 |
| Bronze Simple Oscar Health Plan, Inc. | Expanded Bronze | HMO | $317.73 | $387.46 | $9,000 | $10,600 |
| Bronze Classic Standard Oscar Health Plan, Inc. | Expanded Bronze | HMO | $333.24 | $406.38 | $7,500 | $10,000 |
| Buena Salud Bronce Simple Para Diabetes Oscar Health Plan, Inc. | Expanded Bronze | HMO | $338.88 | $413.26 | $5,500 | $10,150 |
| Bronze Simple Breathe Easy with Enhanced COPD Benefits Oscar Health Plan, Inc. | Expanded Bronze | HMO | $339.84 | $414.43 | $5,500 | $10,150 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. | Expanded Bronze | HMO | $345.46 | $421.27 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. | Expanded Bronze | HMO | $356.99 | $435.34 | $0 | $10,150 |
| UHC Bronze Standard UnitedHealthcare | Expanded Bronze | HMO | $383.27 | $467.39 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $384.65 | $469.07 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $386.27 | $471.04 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $394.72 | $481.35 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $396.38 | $483.37 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $398.71 | $486.22 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Expanded Bronze | HMO | $403.48 | $492.03 | $0 | $10,600 |
| Choice Bronze HSA Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $417.62 | $509.28 | $7,250 | $7,250 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Expanded Bronze | HMO | $418.93 | $510.87 | $0 | $10,600 |
| AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $419.33 | $511.36 | $10,150 | $10,150 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Arizona Complete Health | Expanded Bronze | HMO | $428.56 | $522.61 | $7,250 | $7,250 |
| AZ Blue StandardHealth Bronze Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $447.20 | $545.34 | $7,500 | $10,000 |
| AZ Blue Portfolio Bronze HSA Focus Blue Cross Blue Shield of Arizona | Expanded Bronze | HMO | $499.73 | $609.41 | $7,100 | $7,100 |
| Imperial Standard Silver Imperial Insurance Companies, Inc. | Silver | HMO | $358.97 | $437.75 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Insurance Companies, Inc. | Silver | HMO | $368.14 | $448.94 | $7,500 | $9,500 |
| Silver Simple PCP Saver Oscar Health Plan, Inc. | Silver | HMO | $402.28 | $490.56 | $5,750 | $9,400 |
| Silver Classic Standard Oscar Health Plan, Inc. | Silver | HMO | $402.66 | $491.03 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Health Plan, Inc. | Silver | HMO | $408.39 | $498.01 | $6,500 | $10,000 |
| AZ Blue ACA StandardHealth Silver with Health Choice Blue Cross Blue Shield of Arizona | Silver | HMO | $410.63 | $500.75 | $6,000 | $8,900 |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. | Silver | HMO | $411.98 | $502.39 | $5,900 | $10,150 |
| Silver Simple Specialist Saver with COPD Oscar Health Plan, Inc. | Silver | HMO | $412.63 | $503.19 | $6,500 | $9,600 |
| Silver Simple Women's Health with Menopause Benefits Oscar Health Plan, Inc. | Silver | HMO | $414.00 | $504.86 | $6,000 | $10,150 |
| Silver Elite Saver Plus Oscar Health Plan, Inc. | Silver | HMO | $435.31 | $530.85 | $0 | $8,500 |
| Standard Silver Ambetter from Arizona Complete Health | Silver | HMO | $467.49 | $570.09 | $6,000 | $8,900 |
| Complete Silver Ambetter from Arizona Complete Health | Silver | HMO | $472.57 | $576.28 | $5,950 | $8,850 |
| UHC Silver Standard UnitedHealthcare | Silver | HMO | $477.92 | $582.81 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) UnitedHealthcare | Silver | HMO | $479.13 | $584.28 | $4,500 | $10,150 |
| Standard Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $479.73 | $585.02 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter from Arizona Complete Health | Silver | HMO | $484.94 | $591.36 | $5,950 | $8,850 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) UnitedHealthcare | Silver | HMO | $490.73 | $598.42 | $0 | $10,600 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Silver | HMO | $494.41 | $602.91 | $4,500 | $10,150 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) UnitedHealthcare | Silver | HMO | $506.01 | $617.06 | $0 | $10,600 |
| AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Silver | HMO | $552.92 | $674.26 | $7,200 | $7,200 |
| AZ Blue StandardHealth Silver Focus Blue Cross Blue Shield of Arizona | Silver | HMO | $563.18 | $686.78 | $6,000 | $8,900 |
| AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Silver | HMO | $568.81 | $693.64 | $7,500 | $9,200 |
| Imperial Standard Gold Imperial Insurance Companies, Inc. | Gold | HMO | $423.27 | $516.16 | $2,000 | $8,200 |
| Imperial Preferred Gold Imperial Insurance Companies, Inc. | Gold | HMO | $428.91 | $523.04 | $1,000 | $8,000 |
| Gold Simple Oscar Health Plan, Inc. | Gold | HMO | $443.04 | $540.27 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Health Plan, Inc. | Gold | HMO | $446.01 | $543.89 | $2,000 | $8,200 |
| Gold Simple Diabetes Oscar Health Plan, Inc. | Gold | HMO | $448.29 | $546.67 | $2,000 | $9,800 |
| Gold Classic Oscar Health Plan, Inc. | Gold | HMO | $452.14 | $551.37 | $3,500 | $7,750 |
| Standard Gold Ambetter from Arizona Complete Health | Gold | HMO | $511.15 | $623.33 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $524.54 | $639.65 | $2,000 | $8,200 |
| Complete Gold Ambetter from Arizona Complete Health | Gold | HMO | $533.08 | $650.07 | $1,450 | $7,500 |
| Complete Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $547.03 | $667.09 | $1,450 | $7,500 |
| UHC Gold Standard UnitedHealthcare | Gold | HMO | $558.05 | $680.52 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $565.14 | $689.17 | $1,250 | $8,000 |
| Elite Gold Ambetter from Arizona Complete Health | Gold | HMO | $575.51 | $701.81 | $0 | $6,500 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) UnitedHealthcare | Gold | HMO | $580.58 | $708.00 | $1,250 | $8,000 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) UnitedHealthcare | Gold | HMO | $580.89 | $708.38 | $0 | $7,800 |
| Elite Gold + Vision + Adult Dental Ambetter from Arizona Complete Health | Gold | HMO | $590.57 | $720.18 | $0 | $6,500 |
| AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) Blue Cross Blue Shield of Arizona | Gold | HMO | $660.90 | $805.94 | $4,800 | $4,800 |
| AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) Blue Cross Blue Shield of Arizona | Gold | HMO | $680.93 | $830.37 | $1,475 | $8,000 |
| AZ Blue StandardHealth Gold Focus Blue Cross Blue Shield of Arizona | Gold | HMO | $695.83 | $848.54 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $326/mo | $287 | $454 | 19 | 2 |
| 2023 | $342/mo | $290 | $449 | 19 | 2 |
| 2024 | $335/mo | $251 | $449 | 23 | 4 |
| 2025 | $342/mo | $264 | $489 | 18 | 4 |
| 2026 | $457/mo | $359 | $569 | 22 | 5 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Arizona
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Santa Cruz, AZ?
There are 62 ACA marketplace plans available in Santa Cruz from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Santa Cruz?
The lowest-premium plan in Santa Cruz starts at $364/mo (Bronze tier, age 27). Silver plans start at $359/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Santa Cruz?
The benchmark (second-lowest Silver) premium in Santa Cruz is $368/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 Santa Cruz?
Average premiums in Santa Cruz changed by +37.9% 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 Santa Cruz?
The average annual deductible across all plans in Santa Cruz is $5,405, and the average out-of-pocket maximum is $9,025. 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 Santa Cruz?
There are 5 insurance issuers offering ACA marketplace plans in Santa Cruz, including Oscar Health Plan, Inc., Ambetter from Arizona Complete Health, UnitedHealthcare, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
