What health insurance costs without a subsidy in Santa Cruz County, Arizona (2026)
In Santa Cruz County, Arizona, the benchmark silver plan costs $448.94/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $375.16 to $848.54. A 60-year-old pays at least $796.69/month, a 21-year-old at least $293.55. 5 insurers offer 62 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 $293.55/mo
- Age 40 — starting at $375.16/mo
- Age 60 — starting at $796.69/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, Blue Cross Blue Shield of Arizona, 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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Santa Cruz County (FIPS 04023).
- 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 (62)
- UHC Bronze Essential ($0 Virtual Urgent Care) — Bronze · $443.96/mo @ 40
- Imperial Standard Bronze — Expanded Bronze · $375.16/mo @ 40
- Bronze Simple — Expanded Bronze · $387.46/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $406.38/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
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $435.34/mo @ 40
- UHC Bronze Standard — Expanded Bronze · $467.39/mo @ 40
- Everyday Bronze — Expanded Bronze · $469.07/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 AdvanceHealth Bronze Focus (4 Free PCP Visits) — Expanded Bronze · $511.36/mo @ 40
- Choice Bronze HSA + Vision + Adult Dental — Expanded Bronze · $522.61/mo @ 40
- AZ Blue StandardHealth Bronze Focus — Expanded Bronze · $545.34/mo @ 40
- AZ Blue Portfolio Bronze HSA Focus — Expanded Bronze · $609.41/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
- Standard Gold — Gold · $623.33/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $639.65/mo @ 40
- Complete Gold — Gold · $650.07/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $667.09/mo @ 40
- UHC Gold Standard — Gold · $680.52/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $689.17/mo @ 40
- Elite Gold — Gold · $701.81/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, Dental + Vision) — Gold · $708.00/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx) — Gold · $708.38/mo @ 40
- Elite Gold + Vision + Adult Dental — Gold · $720.18/mo @ 40
- AZ Blue AdvanceHealth Gold Focus (4 Free PCP Visits) — Gold · $805.94/mo @ 40
- AZ Blue EverydayHealth Gold Focus (1 Free PCP Visit) — Gold · $830.37/mo @ 40
- AZ Blue StandardHealth Gold Focus — Gold · $848.54/mo @ 40
Showing first 40 of 62 plans on file.
Reviewed by Jason Burns, Editorial Steward.