Arizona health insurance plans
How individual and family health coverage works in Arizona, in plain language.
ACA Open Enrollment opens November 1st
Take a look at Arizona plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.
Where Arizona residents shop
Arizona residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) at www.healthcare.gov/arizona/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
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.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Arizona, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
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.
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.
Questions about Arizona health plans? 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 timeReviewed 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.