What health insurance costs without a subsidy in Navajo County, Arizona (2026)
In Navajo County, Arizona, the benchmark silver plan costs $668.52/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $558.65 to $1295.42. A 60-year-old pays at least $1186.37/month, a 21-year-old at least $437.13. 2 insurers offer 14 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 $437.13/mo
- Age 40 — starting at $558.65/mo
- Age 60 — starting at $1186.37/mo
Cost by metal level (age 40, 2026)
- Silver — starting at $651.86/mo
- Gold — starting at $768.63/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $1,000 to $10,150
- Highest out-of-pocket maximum on file: $10,150
Who sells plans here
Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc.
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 Navajo County (FIPS 04017).
- 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 (14)
- Imperial Standard Bronze — Expanded Bronze · $558.65/mo @ 40
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits) — Expanded Bronze · $780.66/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
- Imperial Standard Gold — Gold · $768.63/mo @ 40
- Imperial Preferred Gold — Gold · $778.87/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
- Imperial Standard Silver — Silver · $651.86/mo @ 40
- Imperial Preferred Silver — Silver · $668.52/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.