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

Cost by age (2026, before subsidy)

• Age 21 — starting at $275.43/mo
• Age 40 — starting at $351.99/mo
• Age 60 — starting at $747.50/mo

Cost by metal level (age 40, 2026)

• Bronze — starting at $443.96/mo
• Silver — starting at $437.75/mo
• Gold — starting at $516.16/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 Pima County (FIPS 04019).
• 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 · $443.96/mo @ 40
• Catastrophic Standard — Catastrophic · $351.99/mo @ 40
• Imperial Standard Bronze — Expanded Bronze · $375.16/mo @ 40
• Bronze Simple — Expanded Bronze · $387.46/mo @ 40
• Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Expanded Bronze · $400.50/mo @ 40
• Connect Bronze SoAZ CMS Standard — Expanded Bronze · $404.50/mo @ 40
• Connect Bronze SoAZ 6300 Indiv Med Deductible — Expanded Bronze · $405.20/mo @ 40
• Bronze Classic Standard — Expanded Bronze · $406.38/mo @ 40
• Connect Bronze SoAZ 4000 Indiv Med Deductible — Expanded Bronze · $409.00/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 · $411.17/mo @ 40
• Buena Salud Bronce Simple Para Diabetes — Expanded Bronze · $413.26/mo @ 40
• Bronze Simple Breathe Easy with Enhanced COPD Benefits — Expanded Bronze · $414.43/mo @ 40
• Bronze Simple Chronic Care CKM — Expanded Bronze · $421.27/mo @ 40
• AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) — Expanded Bronze · $431.98/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 · $435.03/mo @ 40
• Bronze Elite + PCP Saver Plus — Expanded Bronze · $435.34/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 · $445.69/mo @ 40
• Bronze Standard — Expanded Bronze · $446.67/mo @ 40
• UHC Bronze Standard — Expanded Bronze · $467.39/mo @ 40
• Everyday Bronze — Expanded Bronze · $469.07/mo @ 40
• AZ Blue StandardHealth Bronze Focus — Expanded Bronze · $470.26/mo @ 40
• Standard Expanded Bronze — Expanded Bronze · $471.04/mo @ 40
• Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $481.35/mo @ 40
• Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $483.37/mo @ 40
• UHC Bronze Standard+ (Dental + Vision) — Expanded Bronze · $486.22/mo @ 40
• UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care) — Expanded Bronze · $492.03/mo @ 40
• Choice Bronze HSA — Expanded Bronze · $509.28/mo @ 40
• UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Expanded Bronze · $510.87/mo @ 40
• AZ Blue Portfolio Bronze HSA Focus — Expanded Bronze · $514.81/mo @ 40
• Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $522.61/mo @ 40
• Imperial Standard Gold — Gold · $516.16/mo @ 40
• Imperial Preferred Gold — Gold · $523.04/mo @ 40
• Gold Simple — Gold · $540.27/mo @ 40
• Gold Classic Standard — Gold · $543.89/mo @ 40
• Gold Simple Diabetes — Gold · $546.67/mo @ 40
• Gold Classic — Gold · $551.37/mo @ 40
• Connect Gold SoAZ 2500 Indiv Med Deductible — Gold · $592.23/mo @ 40
• Connect Gold SoAZ CMS Standard — Gold · $603.04/mo @ 40
• Standard Gold — Gold · $623.33/mo @ 40
• Gold Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold · $633.21/mo @ 40

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

All other plans in Pima County

• Standard Gold + Vision + Adult Dental — Gold
• Gold Complete+Dental 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Gold
• Complete Gold — Gold
• AZ Blue EverydayHealth Prosano Gold ($0 Prosano Health Visits) — Gold
• Complete Gold + Vision + Adult Dental — Gold
• Gold Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Gold
• UHC Gold Standard — Gold
• AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) — 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) — Gold
• Elite Gold — 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
• Gold Standard — Gold
• Elite Gold + Vision + Adult Dental — 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 Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core Rx — Silver
• Silver Simple Diabetes — Silver
• AZ Blue ACA StandardHealth Silver with Health Choice — 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
• Connect Silver SoAZ 6200 Indiv Med Deductible — Silver
• Connect Silver SoAZ 4000 Indiv Med Deductible — Silver
• Connect Silver SoAZ CMS Standard — Silver
• Silver Elite Saver Plus — Silver
• AZ Blue EverydayHealth Prosano Silver ($0 Prosano Health Visits) — Silver
• Silver Elite 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care/Referred Labs, $0 Advanced Rx — Silver
• AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits) — 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
• Standard Silver — Silver
• Complete Silver — Silver
• Silver Standard — Silver
• UHC Silver Standard — Silver
• UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx) — Silver
• Standard Silver + Vision + Adult Dental — Silver
• Complete Silver + Vision + Adult Dental — Silver
• AZ Blue StandardHealth Silver Focus — 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
• UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision) — Silver