Health insurance help for Arizona residents
Compare Medicare, health insurance marketplace plans and Medicaid in Arizona, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
Is your Medicare plan leaving in 2027?
27 Medicare plans are leaving at least one Arizona county for 2027. Look up your county to see which plans, and compare options before October 15th.
What is different about coverage in Arizona
Arizona's Medicaid program, AHCCCS, has run almost entirely through managed care since the early 1980s -- one of the first states to build Medicaid this way -- and Arizona uses the federal HealthCare.gov Marketplace rather than its own exchange. Arizona Health Insurance is free to use for Arizona callers working through Medicare, ACA, life, or supplemental coverage questions.
- Arizona Medicaid, called AHCCCS (Arizona Health Care Cost Containment System), is the right place to start if your Arizona Medicaid eligibility changed -- apply or check status at healthearizonaplus.gov.
- Arizona does not run its own ACA exchange, so Arizona marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace.
- Free Medicare counseling is available in Arizona through the State Health Insurance Assistance Program (SHIP) at 1-800-432-4040, coordinated through the Arizona Department of Economic Security's regional offices and separate from Arizona Health Insurance's own free phone help.
Worth knowing: AHCCCS was one of the country's first statewide Medicaid managed-care systems when it launched in 1982, well before managed care became the norm nationally -- Arizona's Medicaid program has essentially always worked through private managed-care plans rather than direct fee-for-service.
Coverage questions we help Arizona residents with
Health plans (ACA marketplace)
How Arizona’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Arizona’s free counseling program.
Medicaid
Where to apply in Arizona, and what to do when your coverage changes.
Arizona by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Arizona you live. Start with your county.
Major Arizona cities
Arizona colleges and universities
- Arizona State University
- University of Arizona
- Northern Arizona University
- Pima Community College
- Maricopa Community Colleges
State bird: Cactus Wren
Campylorhynchus brunneicapillus. Arizona’s official state bird, shown here as a local touch.
Photo: Polinova (CC BY-SA 4.0), via Wikimedia CommonsCommon Arizona questions
Where do I shop for ACA health plans in Arizona?
Arizona residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/arizona/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Arizona?
Medicaid in Arizona is run through AHCCCS (Arizona Health Care Cost Containment System) (https://www.azahcccs.gov). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Arizona?
Arizona Department of Insurance and Financial Institutions (DIFI) (https://difi.az.gov/consumer/i/health) regulates insurance companies and agents in Arizona. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Arizona?
Yes. Arizona State Health Insurance Assistance Program (SHIP) (1-800-432-4040) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Arizona Health Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Arizona coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.