What health insurance costs without a subsidy in Maricopa County, Arizona (2026)

Cost by age (2026, before subsidy)

• Age 21 — starting at $276.82/mo
• Age 40 — starting at $353.76/mo
• Age 60 — starting at $751.25/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $435.63/mo
• Silver — starting at $471.85/mo
• Gold — starting at $541.53/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, Antidote Health Plan of Arizona, Inc., Blue Cross Blue Shield of Arizona, Cigna HealthCare of Arizona, Inc, Imperial Insurance Companies, Inc., Oscar Health Plan, 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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Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

• CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Maricopa County (FIPS 04013).
• HealthCare.gov (opens in new tab) — 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

All Arizona counties →

Plans available in this county (86)

• UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $435.63/mo @ 40
• Connect Bronze 7400 Indiv Med Deductible — Bronze · $484.86/mo @ 40
• Catastrophic Standard — Catastrophic · $353.76/mo @ 40
• Bronze Simple — Expanded Bronze · $388.36/mo @ 40
• Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $402.51/mo @ 40
• Imperial Standard Bronze — Expanded Bronze · $404.38/mo @ 40
• Bronze Classic Standard — Expanded Bronze · $407.32/mo @ 40
• Bronze Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $413.23/mo @ 40
• Buena Salud Bronce Simple Para Diabetes — Expanded Bronze · $414.22/mo @ 40
• Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $415.39/mo @ 40
• Bronze Simple Chronic Care CKM — Expanded Bronze · $422.25/mo @ 40
• Bronze Elite + PCP Saver Plus — Expanded Bronze · $436.35/mo @ 40
• Bronze Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $437.22/mo @ 40
• Bronze Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Expanded Bronze · $447.93/mo @ 40
• Bronze Standard — Expanded Bronze · $448.91/mo @ 40
• UHC Bronze Standard — Expanded Bronze · $458.62/mo @ 40
• Everyday Bronze — Expanded Bronze · $470.80/mo @ 40
• AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) — Expanded Bronze · $471.88/mo @ 40
• Standard Expanded Bronze — Expanded Bronze · $472.77/mo @ 40
• UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $477.09/mo @ 40
• UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $482.80/mo @ 40
• Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $483.12/mo @ 40
• Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $485.15/mo @ 40
• UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $501.28/mo @ 40
• AZ Blue StandardHealth Bronze Focus — Expanded Bronze · $503.54/mo @ 40
• Connect Bronze CMS Standard — Expanded Bronze · $507.83/mo @ 40
• Connect Bronze 9500 Indiv Med Deductible — Expanded Bronze · $509.21/mo @ 40
• Choice Bronze HSA — Expanded Bronze · $511.15/mo @ 40
• Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $524.53/mo @ 40
• AZ Blue Portfolio Bronze HSA Focus — Expanded Bronze · $562.36/mo @ 40
• Gold Simple — Gold · $541.53/mo @ 40
• Gold Classic Standard — Gold · $545.15/mo @ 40
• Gold Simple Diabetes — Gold · $547.94/mo @ 40
• Gold Classic — Gold · $552.65/mo @ 40
• Imperial Standard Gold — Gold · $556.37/mo @ 40
• Imperial Preferred Gold — Gold · $563.78/mo @ 40
• Standard Gold — Gold · $625.63/mo @ 40
• Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold · $636.39/mo @ 40
• Standard Gold + Vision + Adult Dental — Gold · $642.01/mo @ 40
• Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold · $647.10/mo @ 40

Showing first 40 of 86 plans on file. Every remaining plan is listed below.

All other plans in Maricopa County

• Complete Gold — Gold
• UHC Gold Standard — Gold
• Complete Gold + Vision + Adult Dental — Gold
• UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
• Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
• Gold Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
• UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold
• UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold
• Elite Gold — Gold
• Gold Standard — Gold
• Elite Gold + Vision + Adult Dental — Gold
• AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) — Gold
• Connect Gold 2500 Indiv Med Deductible — Gold
• AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) — Gold
• Connect Gold CMS Standard — Gold
• AZ Blue StandardHealth Gold Focus — Gold
• Imperial Standard Silver — Silver
• Imperial Preferred Silver — Silver
• Silver Simple PCP Saver — Silver
• Silver Classic Standard — Silver
• Silver Simple Diabetes — Silver
• Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
• Silver Simple Chronic Care CKM — Silver
• Silver Simple Specialist Saver with COPD — Silver
• Silver Simple Women's Health with Menopause Benefits — Silver
• Silver Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
• AZ Blue ACA StandardHealth Silver with Health Choice — Silver
• Silver Elite Saver Plus — Silver
• Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
• Silver Elite+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
• AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) — Silver
• UHC Silver Standard — Silver
• Standard Silver — Silver
• UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver
• AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) — Silver
• Complete Silver — Silver
• Silver Standard — Silver
• AZ Blue StandardHealth Silver Focus — Silver
• Standard Silver + Vision + Adult Dental — Silver
• UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Silver
• UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Silver
• Complete Silver + Vision + Adult Dental — Silver
• UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Silver
• Connect Silver CMS Standard — Silver
• Connect Silver 6100 Indiv Med Deductible — Silver
• Connect Silver 4000 Indiv Med Deductible — Silver