Before subsidies, the benchmark silver plan for a 40-year-old in Maricopa County cost about $484 a month for 2026, and the Arizona average for 2027 is $609 a month. Premium tax credits bring that down for many households, depending on income and family size. 7 insurers offered marketplace plans in Maricopa County for 2026.
A health insurance broker in Phoenix works for you, not for one insurance company. Brokers are licensed in Arizona to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Phoenix, sorted by distance.
Health Insurance Brokers near Phoenix
Licensed agents can compare plans available in Maricopa County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in Phoenix
- Phoenix shoppers should confirm a plan's network covers Banner Health (including Banner - University Medical Center Phoenix), HonorHealth (such as John C. Lincoln Medical Center), and Dignity Health St. Joseph's Hospital and Medical Center. Source
- The Maricopa County Department of Public Health serves Phoenix and the rest of the county with immunizations, disease prevention and community health services. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Arizona.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Phoenix broker can quote
For 2027, marketplace plans in Arizona come from 6 insurers: Blue Cross Blue Shield of Arizona (HMO only), Arizona Complete Health (Health Net/Ambetter), Oscar Health, UnitedHealthcare, Imperial Insurance and Antidote Health. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
Before you call an agent
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
- Check that the agent's license is active with the state regulator.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
Checking an agent's license in Arizona
- Arizona DIFI's license search page lets consumers look up an insurance producer's license, with individual licensee searches run through the NAIC State Based Systems lookup. Marketplace agents and brokers can also be checked on HealthCare.gov. Source
- The Arizona Department of Insurance and Financial Institutions (DIFI) licenses insurance agents and brokers and regulates health insurers in the state. Its Consumer Services Division takes complaints about insurance companies and insurance professionals. Source
Frequently asked questions
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
Brokers in nearby cities
- Paradise Valley, AZ 8 miles
- Glendale, AZ 8 miles
- Sun City, AZ 12 miles
- Youngtown, AZ 12 miles
- Tolleson, AZ 13 miles
- El Mirage, AZ 14 miles
- Scottsdale, AZ 15 miles
- Tempe, AZ 16 miles
- Guadalupe, AZ 16 miles
- Litchfield Park, AZ 16 miles