What health insurance costs without a subsidy in Cochise County, Arizona (2026)
In Cochise County, Arizona, the benchmark silver plan costs $713.21/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $580.53 to $1020.22. A 60-year-old pays at least $1232.83/month, a 21-year-old at least $454.25. 2 insurers offer 25 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $454.25/mo
- Age 40 — starting at $580.53/mo
- Age 60 — starting at $1232.83/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $705.55/mo
- Gold — starting at $771.45/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,150
- Highest out-of-pocket maximum on file: $10,150
Who sells plans here
Ambetter from Arizona Complete Health, Blue Cross Blue Shield of Arizona
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Cochise County (FIPS 04003).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Arizona
- Apache County — $1048.46/mo benchmark
- Yuma County — $923.58/mo benchmark
- La Paz County — $921.26/mo benchmark
- Mohave County — $900.56/mo benchmark
- Yavapai County — $874.73/mo benchmark
Plans available in this county (25)
- Everyday Bronze — Expanded Bronze · $580.53/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $582.96/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $595.73/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $598.22/mo @ 40
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) — Expanded Bronze · $614.82/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $630.29/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $646.79/mo @ 40
- AZ Blue StandardHealth Bronze Neighborhood — Expanded Bronze · $655.68/mo @ 40
- AZ Blue Portfolio Bronze HSA Neighborhood — Expanded Bronze · $732.70/mo @ 40
- Standard Gold — Gold · $771.45/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $791.64/mo @ 40
- Complete Gold — Gold · $804.53/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $825.60/mo @ 40
- Elite Gold — Gold · $868.57/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $891.31/mo @ 40
- AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) — Gold · $969.00/mo @ 40
- AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) — Gold · $998.37/mo @ 40
- AZ Blue StandardHealth Gold Neighborhood — Gold · $1020.22/mo @ 40
- Standard Silver — Silver · $705.55/mo @ 40
- Complete Silver — Silver · $713.21/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $724.02/mo @ 40
- Complete Silver + Vision + Adult Dental — Silver · $731.88/mo @ 40
- AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) — Silver · $810.68/mo @ 40
- AZ Blue StandardHealth Silver Neighborhood — Silver · $825.73/mo @ 40
- AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) — Silver · $833.98/mo @ 40
Reviewed by Jason Burns, Editorial Steward.