Arizona ACA Health Insurance
15 counties, 7 issuers, 199 plans
Premium Range
Premiums in Arizona range from $289/mo to $1,079/mo (age 27 base rate).
Reading the Arizona Marketplace
The ACA marketplace in Arizona lists 199 plans from 7 issuers spread across 15 counties. The statewide average premium is $562/mo for a 27-year-old, $685/mo at age 40, and $1,455/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $289 at the low end to $1,079 at the high end, before subsidies.
Geography drives most of the within-state variation: Apache posts the highest Silver average at $857/mo, while Pima sits at $441/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,550, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Arizona (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Arizona ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Apache | $857/mo | 9 | 1 |
| 2 | Yavapai | $837/mo | 22 | 3 |
| 3 | Yuma | $820/mo | 14 | 2 |
| 4 | La Paz | $797/mo | 28 | 3 |
| 5 | Mohave | $787/mo | 24 | 2 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Pima | $441/mo | 86 | 7 |
| 2 | Maricopa | $455/mo | 86 | 7 |
| 3 | Santa Cruz | $457/mo | 62 | 5 |
| 4 | Pinal | $482/mo | 78 | 6 |
| 5 | Gila | $506/mo | 45 | 4 |
All Counties in Arizona
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Apache | $857 | N/A | $1,037 | 9 | 1 | +41.7% |
| Cochise | $626 | N/A | $724 | 25 | 2 | +40.8% |
| Coconino | $702 | N/A | $822 | 26 | 2 | +42.0% |
| Gila | $506 | $361 | $594 | 45 | 4 | +40.7% |
| Graham | $608 | N/A | $708 | 30 | 3 | +42.7% |
| Greenlee | $626 | N/A | $724 | 25 | 2 | +46.6% |
| La Paz | $797 | $575 | $946 | 28 | 3 | +43.0% |
| Maricopa | $455 | $377 | $542 | 86 | 7 | +33.7% |
| Mohave | $787 | $563 | $949 | 24 | 2 | +42.8% |
| Navajo | $731 | N/A | $876 | 14 | 2 | +20.2% |
| Pima | $441 | $364 | $525 | 86 | 7 | +37.7% |
| Pinal | $482 | $361 | $569 | 78 | 6 | +35.2% |
| Santa Cruz | $457 | $364 | $539 | 62 | 5 | +37.9% |
| Yavapai | $837 | $691 | $968 | 22 | 3 | +38.4% |
| Yuma | $820 | N/A | $981 | 14 | 2 | +34.0% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Arizona
The Affordable Care Act marketplace in Arizona offers 199 health insurance plans from 7 issuers across 15 counties. Premiums vary significantly by geography: the most expensive county (Apache) averages $857/mo for a Silver plan, while the most affordable (Pima) averages $441/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,550, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
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Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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