Before subsidies, the benchmark silver plan for a 40-year-old in Gila County cost about $514 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. 4 insurers offered marketplace plans in Gila County for 2026. Below you'll find how coverage works in Payson, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Payson
Licensed agents can compare plans available in Gila County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Payson, AZ
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $609/mo before subsidies |
| Gila County benchmark (2026) | $514/mo |
| Plans offered in Gila County (2026) | 45 |
| Plan types | HMO |
| Marketplace insurers in Arizona (2027) | 6 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
Free enrollment help in Arizona
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Where can I buy health insurance in Payson?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Payson?
Before subsidies, the benchmark silver plan for a 40-year-old in Gila County cost about $514 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. 4 insurers offered marketplace plans in Gila County for 2026. A licensed agent can quote your exact price.
Which insurers sell marketplace plans in Arizona?
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.
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