Health Insurance Cost in Arizona (2026)
Data: CMS/KFF 2026 rate filings · IRS Rev. Proc. 2025-25 · Last reviewed July 2026
#39 of 51 Arizona's average benchmark premium is $532/month for a single 40-year-old in 2026 — 15% below the national average of $625. That's the full sticker price; what you actually pay depends on your subsidy, and the subsidy rules changed sharply this year.
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What you'd actually pay in Arizona at different incomes
Estimated 2026 numbers for a single 40-year-old, using Arizona's average benchmark premium and this year's official contribution percentages:
| Income level | Annual income | Your max contribution | Est. subsidy | Est. benchmark cost to you |
|---|---|---|---|---|
| 150% FPL | $23,475 | $82/mo | $450/mo | $82/mo |
| 200% FPL | $31,300 | $172/mo | $360/mo | $172/mo |
| 250% FPL | $39,125 | $275/mo | $257/mo | $275/mo |
| 300% FPL | $46,950 | $390/mo | $142/mo | $390/mo |
| 399% FPL | $62,444 | $518/mo | $14/mo | $518/mo |
| Over 400% FPL | $62,600+ | No cap | $0 | $532/mo (full price) |
Bronze plans usually cost less than the benchmark silver plan shown (your subsidy still applies). Under 250% FPL, pick silver to get cost-sharing reductions. Run your exact numbers in the 2026 subsidy calculator.
The 400% cliff in Arizona
Arizona's average benchmark ($532/mo) is low relative to the 9.96%-of-income cap, so a single person near the 400% line gets little or no subsidy anyway. The cliff matters more here for couples and families (400% of FPL is $84,600 for a couple, $128,600 for a family of four) and for older enrollees, whose premiums run up to 3× the 40-year-old rate.
Medicaid & low-income options
Arizona has expanded Medicaid: adults with income up to 138% of FPL ($21,597 for a single person) generally qualify for free or low-cost coverage instead of a marketplace plan.
Where to enroll
Arizona uses the federal marketplace, HealthCare.gov. Open enrollment for 2027 coverage: November 1, 2026 – January 15, 2027 (some state marketplaces extend later). Missed it? See your options after open enrollment.
Need cheaper dental & vision coverage?
Standalone dental insurance and discount plans often cost $10–$40/month — far less than adding dental to a health plan.
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Frequently asked questions
How much is health insurance in Arizona in 2026?
The average benchmark (second-lowest-cost silver) plan for a 40-year-old in Arizona costs about $532/month before subsidies in 2026 — 15% below the national average of $625. Your actual price depends on age, county, and plan choice; subsidies can cut it dramatically if your income is between 100% and 400% of the federal poverty level.
What income qualifies for a subsidy in Arizona in 2026?
For 2026, premium tax credits are available between 100% and 400% of the federal poverty level: $15,650–$62,600 for a single person and $32,150–$128,600 for a family of four. Above 400% there is no subsidy — the enhanced credits that removed this cliff expired at the end of 2025.
Where do I enroll in coverage in Arizona?
Arizona uses the federal marketplace, HealthCare.gov. Open enrollment for 2027 plans runs November 1, 2026 – January 15, 2027 in most states; outside that window you need a qualifying life event.
Compare with similar states
Hawaii ($541) · Michigan ($523) · Oregon ($543) · New Jersey ($545) · all states