What health insurance costs without a subsidy in Mohave County, Arizona (2026)
In Mohave County, Arizona, the benchmark silver plan costs $900.56/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $686.00 to $1295.42. A 60-year-old pays at least $1456.82/month, a 21-year-old at least $536.78. 2 insurers offer 24 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 $536.78/mo
- Age 40 — starting at $686.00/mo
- Age 60 — starting at $1456.82/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $686.00/mo
- Silver — starting at $885.60/mo
- Gold — starting at $1051.55/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, 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 Mohave County (FIPS 04015).
- 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
- Yavapai County — $874.73/mo benchmark
- Coconino County — $785.87/mo benchmark
Plans available in this county (24)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $686.00/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $722.21/mo @ 40
- UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $751.31/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $760.29/mo @ 40
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) — Expanded Bronze · $780.66/mo @ 40
- UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $789.39/mo @ 40
- AZ Blue StandardHealth Bronze Neighborhood — Expanded Bronze · $832.54/mo @ 40
- AZ Blue Portfolio Bronze HSA Neighborhood — Expanded Bronze · $930.34/mo @ 40
- UHC Gold Standard — Gold · $1051.55/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $1064.91/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold · $1094.01/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $1094.59/mo @ 40
- AZ Blue AdvanceHealth Gold Neighborhood (4 Free PCP Visits) — Gold · $1230.38/mo @ 40
- AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) — Gold · $1267.67/mo @ 40
- AZ Blue StandardHealth Gold Neighborhood — Gold · $1295.42/mo @ 40
- AZ Blue ACA StandardHealth Silver with Health Choice — Silver · $885.60/mo @ 40
- UHC Silver Standard — Silver · $900.56/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver · $902.83/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Silver · $924.69/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision) — Silver · $931.62/mo @ 40
- UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Silver · $953.48/mo @ 40
- AZ Blue AdvanceHealth Silver Neighborhood (4 Free PCP Visits) — Silver · $1029.35/mo @ 40
- AZ Blue StandardHealth Silver Neighborhood — Silver · $1048.46/mo @ 40
- AZ Blue EverydayHealth Silver Neighborhood (1 Free PCP Visit) — Silver · $1058.93/mo @ 40
Reviewed by Jason Burns, Editorial Steward.