Compare affordable ACA marketplace and private health insurance plans in Arizona for 2026. Top carriers, metro pricing, and an Arizona-licensed agent — free.
We are not an Arizona state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Arizona uses the federal marketplace at HealthCare.gov and expanded Medicaid (known locally as AHCCCS) in 2014. That means lower-income residents often qualify for no-cost coverage, while those above the line enroll in marketplace plans where about 90% receive a premium tax credit. Roughly 350,000 Arizonans are covered through the marketplace.
Premiums and carrier networks differ between metro Phoenix, Tucson and the smaller markets like Flagstaff, so your county shapes both price and provider choices. Arizona's market has grown more competitive in recent years, with more carriers offering plans — which makes comparing across companies genuinely worthwhile.
We're licensed in Arizona and quote its major carriers every day. Below is how coverage works in the state — including where Medicaid ends and marketplace subsidies begin — plus the metros, plan types and situations we help with most.
Arizona uses the federal marketplace, HealthCare.gov.
Arizona expanded Medicaid (AHCCCS) in 2014, so lower-income adults may qualify for no-cost coverage. Above that threshold, marketplace premium tax credits take over — we'll help you find where you land.
These companies offer individual and family health plans in Arizona. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
For lower-income Arizonans it's often no-cost AHCCCS (Medicaid). Above that, a subsidized ACA marketplace plan is usually cheapest — many qualify for a Silver plan at little or no monthly cost after the premium tax credit, while others pay full price. We compare your options for your exact ZIP and income.
No. Arizona uses the federal marketplace at HealthCare.gov. You can enroll in those same plans through a licensed Arizona agent at no additional cost, and also compare private off-marketplace plans that HealthCare.gov doesn't display.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.