Flagstaff, Arizona: health insurance
Flagstaff is in Coconino County. Here is what Flagstaff residents should know about coverage.
Coverage in Flagstaff
Flagstaff has about 76,586 residents (U.S. Census Bureau 2023 estimate).
Plans for Flagstaff residents are determined by Coconino County, home to about 144,472 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Coconino County before you choose it.
- Turning 65 in Flagstaff? Your Initial Enrollment Period runs seven months around your birthday. Arizona State Health Insurance Assistance Program (SHIP) offers free counseling at 1-800-432-4040.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? AHCCCS (Arizona Health Care Cost Containment System) handles applications.
Arizona note: 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.
Medicare plans leaving Coconino County for 2027
Medicare plans are set by county, so this applies to residents of this city. 9 plans are listed in Coconino County for 2026 but not for 2027, covering at least 1,581 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Wellcare Dual Liberty Sync (HMO D-SNP) H5590-008 | Wellcare / Ambetter (Centene) | 666 |
| Aetna Medicare Signature (HMO) H4835-002 | Aetna (CVS Health) | 521 |
| Wellcare Simple (HMO) H0351-053 | Wellcare / Ambetter (Centene) | 234 |
| Wellpoint Medicare Advantage (HMO-POS) H1423-009 | Anthem (Elevance Health) | 90 |
| Wellcare Giveback (HMO) H0351-054 | Wellcare / Ambetter (Centene) | 44 |
| AARP Medicare Advantage Access from UHC AZ-15 (PPO) H2406-129 | UnitedHealthcare | 26 |
See all 9 plans leaving Coconino County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Flagstaff
Arizona public institutions include Arizona State University, University of Arizona, Northern Arizona University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Arizona colleges.
Do Flagstaff and Coconino County have the same plans?
Plans are offered by service area, and Flagstaff falls under Coconino County. A plan that serves Coconino County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Flagstaff residents: call 855-367-1095
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 855-367-1095 Open 8 AM-10 PM Eastern timeOther major Arizona cities
Reviewed 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.