Quick answer
In 2026, the benchmark silver Marketplace plan in Arizona averaged $532 a month for a 40-year-old before subsidies, about $93 below the U.S. average of $625. Prices rise with age, from about $416 a month at 21 to $1,130 at 60. Most enrollees get a tax credit that lowers the cost. But 2027 brings a big jump: final rates rise about 27.9% on average, nearly double the roughly 15% median increase insurers proposed nationwide, and Cigna is leaving.
Key takeaways
- Arizona’s 2026 benchmark premium for a 40-year-old was about $93 below the national average.
- About 357,000 Arizonans picked a plan for 2026, down 16% from 2025, and 83% got a premium tax credit.
- Final 2027 rates rise about 27.9% on average, one of the largest increases in the country.
- Cigna is leaving Arizona’s Marketplace for 2027, leaving six insurers.
- Arizona expanded Medicaid through AHCCCS. Work requirements and six-month renewals start in 2027.
On this page
What an Arizona Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $416 |
| 30 | $472 |
| 40 | $532 |
| 50 | $743 |
| 60 | $1,130 |
| 64 | $1,249 |
| Child under 15 | $318 |
A family of four with two 40-year-old parents and two young children would pay about $1,700 a month for benchmark plans before subsidies.
What you’d pay after a tax credit
If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. A single 40-year-old in Arizona earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $245. For 2027, the same person’s share would be about $289 a month, even if premiums rise, because the credit grows with the benchmark price. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), you’d pay full price, so the 2027 increases will hit you directly.
Costs beyond the premium
What you pay when you get care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum of $10,600 for one person in 2026 ($12,000 in 2027). If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.
Arizona Marketplace facts
- Marketplace: HealthCare.gov.
- Enrollment: 357,144 plan selections for 2026, down from 423,025 in 2025. Enrollees paid an average of $229 a month after tax credits.
- Insurers: Seven in 2026: Antidote, Blue Cross Blue Shield of Arizona, Cigna, Health Net (Arizona Complete Health), Imperial, Oscar and UnitedHealthcare. Cigna is leaving at the end of 2026. If you’re a Cigna member, see what to do if your insurance company leaves the Marketplace.
- 2027 prices: Final. ACA Signups puts the enrollment-weighted average increase at 27.9% based on the approved filings, a little below the roughly 29% insurers first asked for. Requests ranged from 3.3% for Antidote to 33.9% for Oscar.
- Medicaid: Arizona’s Medicaid program, AHCCCS, covers adults with incomes up to 138% of the poverty level. Starting January 1, 2027, most expansion adults will need to work, volunteer or attend school at least 80 hours a month, or earn at least $580 a month, and renew every six months. State law would end the expansion if federal funding dropped below 80%. See Medicaid work requirements.
- State help: Arizona doesn’t offer its own premium subsidy.
When to enroll
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Sign up by December 15 for coverage that starts January 1. With increases this large, it’s especially worth comparing plans instead of auto-renewing; see how to lower your Marketplace premium.
Other options in Arizona
- Job-based coverage, usually the cheapest route if it’s offered.
- AHCCCS and KidsCare for adults and children who qualify; see health insurance for low-income families.
- Medicare at 65.
Health insurance costs in nearby states: California, Nevada, Utah, New Mexico and Colorado. You can also compare health insurance costs in every state.
See 2027 plans and prices in your Arizona county: compare quotes by ZIP code.
Frequently asked questions
What’s the average cost of health insurance in Arizona?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $532 a month. After tax credits, enrollees paid an average of $229 a month in 2026.
How much will Arizona health insurance go up in 2027?
Final rates rise about 27.9% on average before subsidies. If you get a tax credit, much of that may be absorbed, but people who pay full price will feel the whole increase.
Is Cigna leaving Arizona?
Yes. Cigna is leaving the Marketplace at the end of 2026, so its members need to pick a new plan during open enrollment.
Sources
- healthinsurance.org: Arizona health insurance marketplace
- healthinsurance.org: Arizona Medicaid
- healthinsurance.org: States with Medicaid expansion trigger laws
- KFF: Average marketplace benchmark premiums by state
- KFF: Marketplace average premiums and average advance premium tax credit
- ACA Signups: 2027 Rate Changes – Arizona
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed October 2026.