# What ACA marketplace plans are available in Santa Cruz County, Arizona in 2027?

Santa Cruz County, Arizona has 64 ACA marketplace plans from 5 insurers for 2027, with full-price monthly premiums for a 40-year-old ranging from $468 to $875 and a benchmark (second-lowest-cost silver) plan at $598 per month, before any premium tax credit, per HealthCare.gov plan data. To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

_Last updated 2026-11-01 · Published by Private Health Insurance Direct Answers · Updated November 1, 2026 with 2027 plan data from HealthCare.gov_

## 2027 plan table

| Issuer | Plan | Metal | Age 40 | Deductible | MOOP |
|---|---|---|---|---|---|
| Imperial Insurance Companies, Inc. | Imperial Classic Bronze | Bronze | $468.15 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Essential ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $540.83 | $11,750 | $11,750 |
| Oscar Health Plan, Inc. | Bronze Simple | Bronze | $547.17 | $9,150 | $12,000 |
| Blue Cross Blue Shield of Arizona | AZ Blue PCP Guided Care Bronze | Bronze | $560.97 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard (HSA, $0 Insulin) | Bronze | $561.60 | $7,500 | $12,000 |
| Oscar Health Plan, Inc. | Bronze Classic Standard | Bronze | $563.86 | $7,500 | $12,000 |
| Blue Cross Blue Shield of Arizona | AZ Blue Core Value Bronze (2 Free PCP Visits) | Bronze | $570.97 | $7,500 | $12,000 |
| Oscar Health Plan, Inc. | Buena Salud Bronce Simple Para Diabetes | Bronze | $573.90 | $5,500 | $12,000 |
| Oscar Health Plan, Inc. | Bronze Simple Breathe Easy with Enhanced COPD Benefits | Bronze | $575.12 | $5,500 | $12,000 |
| Imperial Insurance Companies, Inc. | Imperial Classic Silver | Silver | $580.97 | $6,400 | $10,300 |
| Oscar Health Plan, Inc. | Bronze Simple Chronic Care CKM | Bronze | $581.14 | $5,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Standard+ (HSA, $0 Insulin, Dental + Vision) | Bronze | $582.01 | $7,500 | $12,000 |
| Oscar Health Plan, Inc. | Bronze Elite + PCP Saver Plus | Bronze | $586.86 | $0 | $12,000 |
| Ambetter from Arizona Complete Health | Signature Expanded Bronze | Bronze | $589.60 | $7,500 | $12,000 |
| Oscar Health Plan, Inc. | Buena Salud Bronce Simple Para Diabetes con Dental + Vision para Adultos | Bronze | $593.20 | $5,500 | $12,000 |
| Ambetter from Arizona Complete Health | Everyday Bronze | Bronze | $596.91 | $9,350 | $11,000 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Silver | Silver | $597.86 | $6,500 | $10,500 |
| Ambetter from Arizona Complete Health | Signature Expanded Bronze + Vision + Adult Dental | Bronze | $602.35 | $7,500 | $12,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin) | Bronze | $602.73 | $0 | $12,000 |
| Oscar Health Plan, Inc. | Bronze Elite + PCP Saver Plus with Adult Dental & Vision | Bronze | $606.17 | $0 | $12,000 |
| Ambetter from Arizona Complete Health | Everyday Bronze + Vision + Adult Dental | Bronze | $609.82 | $9,350 | $11,000 |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, HSA, $0 Insulin, Dental + Vision) | Bronze | $623.14 | $0 | $12,000 |
| Ambetter from Arizona Complete Health | Choice Bronze HSA | Bronze | $626.24 | $7,950 | $7,950 |
| Ambetter from Arizona Complete Health | Choice Bronze HSA + Vision + Adult Dental | Bronze | $639.78 | $7,950 | $7,950 |
| Ambetter from Arizona Complete Health | Summit Silver | Silver | $665.22 | $4,100 | $9,800 |
| Oscar Health Plan, Inc. | Silver Simple PCP Saver | Silver | $675.80 | $5,750 | $10,000 |
| Blue Cross Blue Shield of Arizona | AZ Blue PCP Guided Care Silver | Silver | $676.62 | $6,400 | $10,300 |
| Ambetter from Arizona Complete Health | Signature Silver | Silver | $681.16 | $6,400 | $10,300 |
| Oscar Health Plan, Inc. | Silver Classic Standard | Silver | $682.02 | $6,400 | $10,300 |
| Oscar Health Plan, Inc. | Silver Simple Diabetes | Silver | $686.43 | $6,500 | $10,600 |
| Oscar Health Plan, Inc. | Silver Core Plan | Silver | $686.86 | $9,000 | $10,300 |
| Oscar Health Plan, Inc. | Silver Simple Breathe Easy with Enhanced COPD Benefits | Silver | $688.76 | $6,200 | $10,300 |
| Imperial Insurance Companies, Inc. | Imperial Classic Gold | Gold | $689.68 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Standard ($0 Insulin) | Silver | $689.95 | $6,400 | $10,300 |
| Ambetter from Arizona Complete Health | Complete Silver | Silver | $691.77 | $6,950 | $9,850 |
| Oscar Health Plan, Inc. | Silver Simple Women's Health with Menopause Benefits | Silver | $692.36 | $6,000 | $10,600 |
| Oscar Health Plan, Inc. | Silver Simple Chronic Care CKM | Silver | $692.77 | $6,500 | $10,500 |
| Imperial Insurance Companies, Inc. | Imperial Preferred Gold | Gold | $694.46 | $1,000 | $8,000 |
| Ambetter from Arizona Complete Health | Signature Silver + Vision + Adult Dental | Silver | $695.89 | $6,400 | $10,300 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $701.18 | $5,000 | $10,000 |
| Oscar Health Plan, Inc. | Silver Simple Diabetes with Adult Dental & Vision | Silver | $705.73 | $6,500 | $10,600 |
| Ambetter from Arizona Complete Health | Complete Silver + Vision + Adult Dental | Silver | $706.73 | $6,950 | $9,850 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin) | Silver | $714.70 | $0 | $11,500 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $721.37 | $5,000 | $10,000 |
| Blue Cross Blue Shield of Arizona | AZ Blue Core Value Silver (2 Free PCP Visits) | Silver | $722.14 | $4,000 | $9,000 |
| Oscar Health Plan, Inc. | Gold Simple | Gold | $727.63 | $2,750 | $10,000 |
| Oscar Health Plan, Inc. | Gold Simple with Early Retirement Benefits | Gold | $729.06 | $3,000 | $8,500 |
| Oscar Health Plan, Inc. | Gold Classic Standard | Gold | $729.52 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, $0 Insulin, Dental + Vision) | Silver | $734.89 | $0 | $11,500 |
| Oscar Health Plan, Inc. | Gold Simple Diabetes | Gold | $744.38 | $2,000 | $10,600 |
| Ambetter from Arizona Complete Health | Signature Gold | Gold | $746.89 | $2,500 | $8,600 |
| Oscar Health Plan, Inc. | Gold Simple with Early Retirement Benefits including Adult Dental & Vision | Gold | $748.36 | $3,000 | $8,500 |
| Ambetter from Arizona Complete Health | Signature Gold + Vision + Adult Dental | Gold | $763.04 | $2,500 | $8,600 |
| Oscar Health Plan, Inc. | Gold Simple Diabetes with Adult Dental & Vision | Gold | $763.68 | $2,000 | $10,600 |
| Blue Cross Blue Shield of Arizona | AZ Blue Everyday Copay Silver (Copays for Inpatient, ER, and OP Surgery) | Silver | $767.45 | $2,000 | $10,000 |
| Ambetter from Arizona Complete Health | Everyday Gold | Gold | $777.76 | $800 | $7,250 |
| Ambetter from Arizona Complete Health | Everyday Gold + Vision + Adult Dental | Gold | $794.58 | $800 | $7,250 |
| UnitedHealthcare | UHC Gold Standard ($0 Insulin) | Gold | $813.91 | $2,500 | $8,600 |
| Blue Cross Blue Shield of Arizona | AZ Blue PCP Guided Care Gold | Gold | $817.03 | $2,500 | $8,600 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin) | Gold | $843.93 | $1,450 | $7,100 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin) | Gold | $851.67 | $0 | $9,300 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $864.34 | $1,450 | $7,100 |
| UnitedHealthcare | UHC Gold Copay Focus+ $0 Ded ($0 Virtual Urgent Care, $3 Tier 2 Rx, $0 Insulin, Dental + Vision) | Gold | $872.08 | $0 | $9,300 |
| Blue Cross Blue Shield of Arizona | AZ Blue Everyday Copay Gold (Copays for Inpatient, ER, and OP Surgery) | Gold | $874.59 | $1,500 | $6,000 |

Premiums are full price for one 40-year-old non-smoker, before any premium tax credit.

## Questions about 2027 plans in Santa Cruz County

### How many ACA plans are available in Santa Cruz County for 2027?

Santa Cruz County, Arizona has 64 ACA marketplace plans from 5 insurers for 2027, per HealthCare.gov plan data.

### What is the 2027 benchmark (second-lowest-cost silver) premium in Santa Cruz County?

The 2027 benchmark (second-lowest-cost silver) premium in Santa Cruz County is $598 per month for a 40-year-old before tax credits.

### What is the cheapest 2027 plan in Santa Cruz County?

The cheapest 2027 plan in Santa Cruz County is Imperial Classic Bronze from Imperial Insurance Companies, Inc., a Bronze plan at $468 per month for a 40-year-old before tax credits.

### When is Open Enrollment for 2027 coverage?

In states that use HealthCare.gov, Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.

### How do I get help choosing or enrolling?

To compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555. You can also enroll yourself at HealthCare.gov.

## Sources

- HealthCare.gov plan data (CMS Marketplace API) — https://www.healthcare.gov/see-plans/ (retrieved 2026-11-13)
- HealthCare.gov — https://www.healthcare.gov

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Updated: 2026-11-01T00:00:00.000Z
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