Surprise, Arizona: health insurance
Surprise is in Maricopa County. Here is what Surprise residents should know about coverage.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Arizona Medicaid: AHCCCS (Arizona Health Care Cost Containment System) · 1-855-432-7587 (Health-e-Arizona Plus) · azahcccs.gov
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Coverage in Surprise
Surprise has about 158,285 residents (U.S. Census Bureau 2023 estimate).
Plans for Surprise residents are determined by Maricopa County, home to about 4,585,871 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 Maricopa County before you choose it.
- Turning 65 in Surprise? 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 Maricopa County for 2027
Medicare plans are set by county, so this applies to residents of this city. 15 plans are listed in Maricopa County for 2026 but not for 2027, covering at least 24,990 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| HealthSpring Preferred (HMO) H0354-001 | Cigna HealthSpring (HCSC) | 11,078 |
| Wellcare Dual Liberty Sync (HMO D-SNP) H5590-008 | Wellcare / Ambetter (Centene) | 4,338 |
| Aetna Medicare Prime Extra (HMO) H3931-092 | Aetna (CVS Health) | 3,104 |
| Aetna Medicare Signature Extra (HMO) H3931-129 | Aetna (CVS Health) | 1,965 |
| Aetna Medicare Elite (PPO) H5521-363 | Aetna (CVS Health) | 1,090 |
| SCAN Strive (HMO C-SNP) H1822-006 | SCAN Group | 1,028 |
See all 15 plans leaving Maricopa County →
Looking for your own plan? Find your company and plan →
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 Surprise
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 Surprise and Maricopa County have the same plans?
Plans are offered by service area, and Surprise falls under Maricopa County. A plan that serves Maricopa 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.
Surprise 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.