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. Keep reading for what's sold in Maricopa County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Phoenix
Licensed agents can compare plans available in Maricopa County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Phoenix, AZ
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $609/mo before subsidies |
| Maricopa County benchmark (2026) | $484/mo |
| Plans offered in Maricopa County (2026) | 86 |
| 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.
Local 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.
How to get ready
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- 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 Phoenix?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for AHCCCS (Arizona Health Care Cost Containment System). Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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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