Health Plan Cost and Availability

“How much does Obamacare cost in Arizona?” is a question you may ask when looking at affordable care options. The ACA insurance price estimates are a common concern for Americans since the implementation of health care legislation from the Affordable Care Act, sometimes called Obamacare or the ACA. With state-by-state differences and a national online Marketplace, plus changing rules from Congress, it can be challenging to stay updated. Knowing the Obamacare health insurance plans costs and benefits will help you to ensure you and your family are all covered. The Affordable Care Act insurance plans offer premium tax credits and cost-sharing reductions for individuals and families who need extra financial support, so it is important to complete the application process to see if you qualify for financial assistance. There are also options other than Obamacare insurance that you can purchase independently, so you can choose what is best for you and your family. The Arizona Obamacare system has been the topic of headlines and debates on a national level since 2017, so it is important to know what has changed and what your options are.

Arizona Obamacare Plan Options

Obamacare health insurance plans costs vary based on a number of factors. For Arizona ACA costs, factors including your age, the number of people in your household, your family status, your income, your area of residence, and more will affect your exact costs. When you get information on Obamacare health plan options, you can see what financial assistance options are offered as well. If you qualify for premium tax credits or cost-sharing reductions, your costs will be subsidized and can be considerably lowered – sometimes by thousands of dollars.

Obamacare insurance plan costs vary based on the four levels of plans available:

  • Bronze

  • Silver

  • Gold

  • Platinum

These ACA health plan levels vary in terms of the amount you will pay versus the amount your insurance company will pay for any medical services, the quality of care does not differ. You can choose an Affordable Care Act plan that suits your financial and medical needs best. To learn more about each plan level and the exact percentage of total cost you will pay, download our in-depth guide.

Obamacare health plan options also include different styles of health plans. These options include:

  • Health Maintenance Organization (HMO)

  • Preferred Provider Organization (PPO)

  • Point of Service (POS) Plans

  • Exclusive Provider Organization (EPO)

The ACA health plan you choose will have different requirements and restrictions based on coverage option, so be sure to review your specific care plan so you understand them all. Based on the ACA coverage plan you choose, you might have to change doctors or hospitals if they are out-of-network.

Arizona ACA insurance options are provided through the national marketplace. Arizona Obamacare options might seem limited, but the number of uninsured Arizona residents decreased by approximately 7 percent between 2013 and 2016. Affordable Care Act coverage in Arizona offered an additional estimated 437,000 Arizona residents health insurance between 2013 and 2016. The Arizona ACA health plans received criticism in 2017 for their high premium rate increases. Obamacare costs in Arizona was a topic of headlines as Congress discussed repealing Obamacare entirely. That plan fell short, but the individual mandate was repealed, which will be effective in 2019. In 2018, Arizona Obamacare providers managed to stabilize premium rates with only incremental changes overall.

Get ACA Insurance Price Estimates

To find out how to obtain ACA insurance price estimates online, you can view our comprehensive guide. While these Obamacare cost estimates are not exact personalized quotes for your situation, they can offer you an idea of what to expect for your situation. The estimate calculator can be very helpful as you plan ahead to ensure your whole family has qualifying insurance.


The Arizona Affordable Care Act health plans available to residents will be included in that estimate calculator. You can view the health insurance costs for Arizona specifically so you have a good grasp of potential costs and benefits. You also always have the option to purchase an independent health care coverage plan from a non-Marketplace provider. Keep in mind that your independent plan must provide the Minimum Essential Coverage (MEC) to be deemed a qualifying ACA plan. Learning about eligibility requirements for Medicaid or other public health options can help you decide what coverage options are best for you.

How Much Will Obamacare Insurance Cost Me?

An Obamacare insurance cost estimate is impossible to provide on a general basis. Arizona Obamacare costs vary based on a variety of factors, including household size, total income, family status, hardships, and more. Accurate Obamacare price estimates can only be obtained by completing the Marketplace application process. You can utilize the estimate calculator information to obtain a general idea of your potential costs and benefits, but an application is the only way to receive a valid, customized quote.

Who Is Eligible to Get Health Services in Arizona?

Residents must meet the eligibility requirements established by the Arizona Health Services Department in order to quality for programs such as Medicaid and Medicare. Your income and age might be significant factors regarding your eligibility, but requirements vary. To learn more about AZ medical assistance, download our guide today.

What Kinds of Health Care Services Can I Receive in Arizona?

Arizona health care services differ significantly in regards to price and coverage. A resident’s eligibility might also play a role in the cost of each service. To learn about how you can apply for these health services, please download our guide now.