Arizona ACA health insurance plans for 2026.
Arizona uses the federal HealthCare.gov Marketplace for ACA enrollment. We compare every on-exchange carrier in your county — Blue Cross Blue Shield AZ, Banner Health, Aetna, Oscar, Ambetter (Centene), UnitedHealthcare, Cigna — and check your doctor's network before you enroll.
Arizona's ACA Marketplace
Arizona uses the federal HealthCare.gov Marketplace for ACA enrollment.
Most Arizonans qualify for federal premium tax credits.
2026 Arizona Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Arizona on-exchange carriers include: Blue Cross Blue Shield AZ, Banner Health, Aetna, Oscar, Ambetter (Centene), UnitedHealthcare, Cigna.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Arizona
Arizona expanded Medicaid (AHCCCS — Arizona Health Care Cost Containment System) under the ACA. Adults under 138% FPL generally qualify.
Arizona ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Arizona counties we cover
All 15 Arizona counties.
Ready to enroll in Arizona ACA coverage?
Free, no pressure. Licensed in Arizona and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.