Reviewed by a licensed health insurance agent. HealthPlusLife agents are licensed in all 50 states. Plan data sourced from Healthcare.gov, CMS.gov, and KFF Health Policy. Call 888-828-5064.
Individual Health Insurance Plans in Arizona 2026
Compare U65 private, ACA marketplace, and off-exchange health insurance plans in Arizona. Licensed agents compare all carriers at no cost.
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Quick Answer: Individual health insurance in Arizona in 2026 is available through U65 private plans ($160 to $500/month, year-round enrollment) and ACA marketplace plans ($0 to $730/month depending on subsidy eligibility). For healthy Arizona residents above the ACA subsidy threshold, U65 private plans typically cost 20 to 40 percent less than unsubsidized ACA plans. Call 888-828-5064 to compare all available Arizona options in one 10-minute call.
📊 According to KFF Health Policy, Arizona has a substantial population of individually insured adults outside employer coverage to including self-employed workers, early retirees, and adults between jobs to making individual health insurance comparison one of the most financially impactful decisions residents make annually.
Individual Health Insurance Options in Arizona
| Plan Type | Monthly Cost Range | Enrollment | Key Carriers |
|---|---|---|---|
| U65 Private Plan | $160 to $500 | Year-round, any day | UnitedHealthcare, Aetna, Blue Cross Blue Shield of Arizona, Cigna |
| ACA Marketplace | $0 to $650 with subsidy | Open enrollment or SEP | Blue Cross Blue Shield of Arizona, Ambetter (Arizona Complete Health), Oscar Health, Molina |
| Medicaid | Free to low cost | Any time | Arizona Medicaid program |
| Short-Term Plan | $80 to $200 | Year-round | Multiple carriers |
Arizona is home to one of the largest early retiree and snowbird populations in the country. Phoenix, Scottsdale, Tucson, and Sedona attract large populations of adults who retire before Medicare eligibility at 65 and need bridge coverage. Arizona also has a large self-employed and contractor population in the Phoenix metro technology and construction sectors.
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A licensed HealthPlusLife agent compares all available Arizona options from multiple carriers simultaneously in one 10-minute call. Call 888-828-5064 | TTY 711 | Free quote.
U65 Private Health Insurance in Arizona: Costs and Savings
| Age | U65 Private Monthly | ACA Unsubsidized Monthly | Annual Savings (U65 vs ACA) |
|---|---|---|---|
| 30 | $165 to $250 | $270 to $390 | Up to $1,500/yr |
| 40 | $220 to $360 | $320 to $470 | Up to $1,800/yr |
| 50 | $320 to $490 | $440 to $650 | Up to $1,920/yr |
| 60 | $430 to $640 | $630 to $940 | Up to $2,520/yr |
Arizona ACA Marketplace and Medicaid
Arizona expanded Medicaid in 2013. AHCCCS (Arizona Health Care Cost Containment System) covers adults earning up to 138 percent of the FPL. Per healthearizonaplus.gov, AHCCCS enrollment is available year-round. Major ACA carriers include Blue Cross Blue Shield of Arizona, Ambetter from Arizona Complete Health, and Oscar Health across most Arizona counties.
Arizona Cities and Counties We Serve
HealthPlusLife serves all Arizona counties and cities including Phoenix, Tucson, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe, Peoria, Surprise, and Flagstaff and all surrounding communities.
Arizona is one of our active individual insurance markets. We work with self-employed professionals, early retirees, and workers between jobs across all regions of the state. U65 private plans consistently deliver strong coverage at lower premiums than the ACA marketplace for eligible clients.
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- Call 888-828-5064
- Share your Arizona zip code, age, and income
- Compare U65 and ACA options side by side
- Verify your doctors are in-network
- Enroll in minutes
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Speak to a licensed HealthPlusLife agent today. We compare U65, private, and ACA plans at no cost to you.
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