Before subsidies, the average benchmark silver plan for a 40-year-old in Arizona costs $609 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists small business benefits brokers across Arizona by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Arizona
People in Arizona buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. AHCCCS (Arizona Health Care Cost Containment System) covers adults with income up to 138% of the poverty level. 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. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in Arizona
- 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
- 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
- Arizona law lists accident and health or sickness as the producer line of authority that covers health insurance. An agent needs that line on their license to sell health plans. Source
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.
Licensed agents can quote plans from multiple Arizona carriers in one call.
Call 866-645-8540Small business by city in Arizona
- Anthem
- Apache Junction
- Arizona City
- Avondale
- Avra Valley
- Bisbee
- Buckeye
- Bullhead City
- Camp Verde
- Casa Grande
- Casas Adobes
- Catalina
- Catalina Foothills
- Cave Creek
- Chandler
- Chino Valley
- Citrus Park
- Clifton
- Colorado City
- Coolidge
- Corona de Tucson
- Cottonwood
- Doney Park
- Douglas
- Drexel Heights
- Eagar
- El Mirage
- Eloy
- Flagstaff
- Florence
- Flowing Wells
- Fort Mohave
- Fortuna Foothills
- Fountain Hills
- Gilbert
- Glendale
- Globe
- Gold Canyon
- Golden Valley
- Goodyear
- Green Valley
- Guadalupe
- Holbrook
- Kayenta
- Kingman
- Lake Havasu City
- Litchfield Park
- Marana
- Maricopa
- Mesa
- New Kingman-Butler
- New River
- Nogales
- Oro Valley
- Page
- Paradise Valley
- Paulden
- Payson
- Peoria
- Phoenix
- Picture Rocks
- Prescott
- Prescott Valley
- Queen Creek
- Rincon Valley
- Rio Rico
- Saddlebrooke
- Safford
- Sahuarita
- San Luis
- San Tan Valley
- Scottsdale
- Sedona
- Show Low
- Sierra Vista
- Sierra Vista Southeast
- Snowflake
- Somerton
- South Tucson
- Sun City
- Sun City West
- Sun Lakes
- Surprise
- Tanque Verde
- Tempe
- Thatcher
- Tolleson
- Tuba City
- Tucson
- Tucson Estates
- Vail
- Valencia West
- Verde Village
- Village of Oak Creek
- Wickenburg
- Williamson
- Winslow
- Youngtown
- Yuma