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Who Has The Cheapest Health Insurance – We found Clear SELECT Silver with Health Net’s Select Providers to be the cheapest HMO plan in Arizona at about $361 per month. Costs vary depending on age, income, and insurance level.
Arizona residents have many health insurance options beyond those offered in the Silver tier. Health Net and UnitedHealthcare have the lowest monthly premiums for their Gold and Bronze plans, respectively. Blue Cross Blue Shield’s Expanded Bronze plan is the most affordable in Arizona, while Oscar’s Catastrophic plan is the least expensive.
Who Has The Cheapest Health Insurance
We also found the best health insurance in Arizona by analyzing the cost and service balance of providers and plans.
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Why can we trust it? We downloaded Arizona plan data directly from the Centers for Medicare and Medicaid Services (CMS).
Plan data has been updated with CMS exchange data released in October, the latest data available for the 2023 enrollment period.
Health insurance plans are divided into metal tiers, with the highest tier typically offering the most comprehensive coverage. Below you can find the cheapest health insurance and average monthly premiums by metal tier.
By paying higher premiums, you can generally lower your out-of-pocket limits. If you choose a lower metal level, you will pay higher out-of-pocket costs, but if you don’t expect to need much medical care, this may be a wise choice.
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Metal tiers are groups of plans that represent increasing levels of cost burden on the policy, with Platinum being the most expensive and Bronze/Catastrophic being the least expensive. Silver plans tend to be best suited to younger, healthier buyers who are looking for a balance between lower premiums and higher deductibles.
We found Clear SELECT Silver with Select Providers to be the most affordable silver health insurance in Arizona. Health Net offers this for around $361 per month. At this level, the three cheapest plans are:
Silver plans typically offer a good balance of cost and coverage and are suitable for people with moderate health needs. We recommend that you list the most accessible HMO plans for Arizona residents in the table below.
The lowest cost Gold plan is Health Net’s Clear SELECT Gold with Select Providers. The monthly cost is approximately $416. Overall, the three cheapest health insurance gold plans in Arizona are:
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Gold plans are one of the most expensive options on the market, but they offer more benefits than lower-tier plans and typically pay lower out-of-pocket costs.
UnitedHealthcare’s UHC Bronze Essential ($3 T1 Preferred Rx) is the most affordable option in this tier, costing about $295 per month. The three cheapest bronze plans are:
Bronze plans are typically the least expensive of the standard health insurance options, but they also typically cover the lowest percentage of out-of-pocket medical costs.
Blue Cross Blue Shield’s Blue AdvanceHealth Bronze – PimaFocus Network costs approximately $302 per month in the state. The three cheapest health plans in Arizona are:
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The Enhanced Bronze Plan is similar to the Bronze Plan, but offers more services and coverage. Copays and deductibles may be higher than bronze plans.
Oscar’s Secure plan is the most affordable option at this level, costing around $232 per month for a 26-year-old. Although disaster plans may have the lowest premiums, the medical costs you pay can be very high. It is also only available to individuals under 30 years of age.
If your income is less than 250% of the Federal Poverty Level (FPL), you may be eligible for cost-sharing relief. These will reduce your out-of-pocket costs each time you need treatment. The cheapest plan is Health Net’s Clear SELECT Silver with Select Providers, with maximum out-of-pocket cost adjustments as follows:
These cost-sharing estimates are based solely on individuals considering purchasing a silver plan in Arizona and will vary if there is more than one person in the household.
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Cost-sharing plans may cost the same or slightly more than traditional health insurance, but you will pay a higher percentage of your medical expenses. For example, the MOOP cost for Clear SELECT Silver with Select Providers is $550 at $361 per month for those with incomes below 150% FPL, while the average earner would receive approximately $5,400 MOOP at that price. will be needed. This is a good option if you want to keep your deductible low or reduce your out-of-pocket costs when paying doctor and hospital fees.
Arizona residents have access to several different health plans, the most common of which is her HMO. Another type of insurance is PPO. We found the cheapest health insurance plan for this.
HMOs are typically less expensive than PPOs, and patients must pay more out-of-pocket if they want to see an out-of-network provider. PPOs don’t have as many network restrictions as her HMO, so they often have more flexibility when it comes to seeing a specialist without your primary care doctor’s prior approval.
Some health insurance companies may only sell plans within certain regions of Arizona, so the same plans or premiums may not be available in some counties. Compare the cheapest Silver plan in Maricopa, Arizona’s most populous county, with a plan in Greenlee, the state’s least populous county.
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Health insurance premiums vary depending on metal grade. As a rule of thumb, lower level metal tiers are cheaper but have higher deductibles. The following represents how her average monthly premium for a 40-year-old in Arizona increases based on metal tier.
Costs also vary depending on age. For example, the average monthly cost for a Silver plan for middle-aged adults is $1,247, for young adults it’s $891, and for seniors it’s $2,649.
Gathered information from private health insurance companies to determine the most affordable options for different demographics in Arizona. Plans are available for purchase during the annual open enrollment period.
Low-income, elderly, and disabled people can apply for Medicaid or Medicare, which are government programs that provide low-cost health care. If you belong to one of these groups, these options may be right for you.
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Health insurance in Arizona must be purchased during the enrollment period from November 1st to December 15th of each year. You can enroll in a new health plan or change your existing plan during open enrollment. Coverage begins at the beginning of the next calendar year.
If you miss the Marketplace open enrollment period, you may still be able to select a Marketplace plan if you qualify for the Special Enrollment Period (SEP). You may qualify for a SEP if you lose your job, move, give birth or adopt a child, or get married.
Health insurance in Arizona has different levels: Bronze, Catastrophic, Expanded Bronze, Silver, and Gold. Each tier has advantages and disadvantages.
The Arizona Medicaid program can help you and your family cover your medical expenses by paying for medical bills, doctor visits, and prescriptions. It often covers things that Medicare doesn’t, such as assisted living and personal care costs.
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People with Medicaid generally do not pay for any covered medical expenses, but they may be charged a small co-payment for certain outpatient services and other similar costs.
Eligibility depends on individual qualifications and household income level. The program targets people with limited resources, as well as people with disabilities and pregnant women.
Medicare is the federal government’s health insurance program for people age 65 and older. Some people with disabilities or certain medical conditions may also be covered. Hospital insurance, medical insurance, prescription drugs, and other benefits are covered.
Health care costs for people with Medicare come in the form of monthly premiums for medical insurance and drug coverage, as well as additional amounts that must be paid to receive medical care.
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Get comprehensive protection for your medical expenses by accessing our latest guide to supplemental Medicare plans. Consider which Medicare Advantage and Medicare Supplement options are best for Arizona residents.
Health insurance can be confusing as it continues to evolve as regulations and trends change over time. To help you know what to look out for when purchasing health insurance in Arizona, we answer some of the most common questions.
Health Net found that Arizona offers the cheapest silver plan and cheapest gold plan. For the gold tier, prices start at around $416 and silver at around $361.
If you plan to enroll in a less expensive health plan, it’s important to expect higher deductibles, copayments, and coinsurance. This means paying more out-of-pocket for medical services. Cheaper plans are ideal for young people who don’t need ongoing treatment, but may not be cost-effective for people who see their doctor regularly.
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Mark Fitzpatrick is a Senior Director of Content, with over five years of experience analyzing the insurance market, conducting unique research, and creating content that can be personalized for each purchaser. He has been quoted on insurance topics in several publications including CNBC, NBC News, and Mashable.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston University. He is passionate about using his knowledge of economics and insurance to bring transparency to financial topics and help others feel confident in the way their money moves. Recent analysis suggests that the overall uninsured rate may not have changed significantly during the pandemic. On the one hand, this is a good thing
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