What health insurance costs without a subsidy in Gila County, Arizona (2026)
In Gila County, Arizona, the benchmark silver plan costs $514.25/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $429.73 to $942.44. A 60-year-old pays at least $912.59/month, a 21-year-old at least $336.25. 4 insurers offer 45 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 $336.25/mo
- Age 40 — starting at $429.73/mo
- Age 60 — starting at $912.59/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $439.99/mo
- Silver — starting at $501.43/mo
- Gold — starting at $591.25/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Arizona Complete Health, Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc., UnitedHealthcare
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 Gila County (FIPS 04007).
- 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 (45)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $439.99/mo @ 40
- Imperial Standard Bronze — Expanded Bronze · $429.73/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $463.21/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $481.87/mo @ 40
- Everyday Bronze — Expanded Bronze · $486.81/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $487.63/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $488.85/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $499.56/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $501.65/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $506.30/mo @ 40
- Choice Bronze HSA — Expanded Bronze · $528.54/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $542.38/mo @ 40
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) — Expanded Bronze · $567.94/mo @ 40
- AZ Blue StandardHealth Bronze Focus — Expanded Bronze · $605.69/mo @ 40
- AZ Blue Portfolio Bronze HSA Focus — Expanded Bronze · $676.84/mo @ 40
- Imperial Standard Gold — Gold · $591.25/mo @ 40
- Imperial Preferred Gold — Gold · $599.13/mo @ 40
- Standard Gold — Gold · $646.91/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $663.84/mo @ 40
- UHC Gold Standard — Gold · $674.44/mo @ 40
- Complete Gold — Gold · $674.65/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $683.01/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $692.32/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold · $701.67/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $702.04/mo @ 40
- Elite Gold — Gold · $728.35/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $747.42/mo @ 40
- AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) — Gold · $895.12/mo @ 40
- AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) — Gold · $922.25/mo @ 40
- AZ Blue StandardHealth Gold Focus — Gold · $942.44/mo @ 40
- Imperial Standard Silver — Silver · $501.43/mo @ 40
- Imperial Preferred Silver — Silver · $514.25/mo @ 40
- UHC Silver Standard — Silver · $577.60/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver · $579.05/mo @ 40
- AZ Blue ACA StandardHealth Silver with Health Choice — Silver · $584.79/mo @ 40
- Standard Silver — Silver · $591.65/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Silver · $593.07/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Silver · $597.52/mo @ 40
- Complete Silver — Silver · $598.07/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $607.14/mo @ 40
Showing first 40 of 45 plans on file.
Reviewed by Jason Burns, Editorial Steward.