What health insurance costs without a subsidy in La Paz County, Arizona (2026)
In La Paz County, Arizona, the benchmark silver plan costs $921.26/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $701.78 to $1312.12. A 60-year-old pays at least $1490.31/month, a 21-year-old at least $549.12. 3 insurers offer 28 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 $549.12/mo
- Age 40 — starting at $701.78/mo
- Age 60 — starting at $1490.31/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $701.78/mo
- Silver — starting at $900.57/mo
- Gold — starting at $1061.89/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
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 La Paz County (FIPS 04012).
- 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
- Mohave County — $900.56/mo benchmark
- Yavapai County — $874.73/mo benchmark
- Coconino County — $785.87/mo benchmark
Plans available in this county (28)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $701.78/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $738.81/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $768.58/mo @ 40
- Imperial Standard Bronze — Expanded Bronze · $771.80/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $777.77/mo @ 40
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) — Expanded Bronze · $790.72/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $807.54/mo @ 40
- AZ Blue StandardHealth Bronze Neighborhood — Expanded Bronze · $843.27/mo @ 40
- AZ Blue Portfolio Bronze HSA Neighborhood — Expanded Bronze · $942.33/mo @ 40
- Imperial Standard Gold — Gold · $1061.89/mo @ 40
- UHC Gold Standard — Gold · $1075.73/mo @ 40
- Imperial Preferred Gold — Gold · $1076.04/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $1089.39/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold · $1119.16/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $1119.75/mo @ 40
- AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) — Gold · $1246.24/mo @ 40
- AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) — Gold · $1284.01/mo @ 40
- AZ Blue StandardHealth Gold Neighborhood — Gold · $1312.12/mo @ 40
- Imperial Standard Silver — Silver · $900.57/mo @ 40
- UHC Silver Standard — Silver · $921.26/mo @ 40
- Imperial Preferred Silver — Silver · $923.58/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver · $923.59/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Silver · $945.95/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Silver · $953.04/mo @ 40
- UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Silver · $975.40/mo @ 40
- AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) — Silver · $1042.62/mo @ 40
- AZ Blue StandardHealth Silver Neighborhood — Silver · $1061.97/mo @ 40
- AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) — Silver · $1072.58/mo @ 40
Reviewed by Jason Burns, Editorial Steward.