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Compare Arizona family, individual, Medicare and business health insurance with licensed Arizona brokers.


Welcome to AZ Health Insurance Brokers! It’s our goal to assist Arizona residents in obtaining whatever type of health insurance they need, including:


  • Affordable Care Act (ACA) Marketplace health insurance plans
  • Private individual and family health insurance plans
  • Employer-sponsored group health insurance
  • Medicare


Choosing the right Arizona health insurance plan depends on factors like income, health history, preferred doctors and hospitals, prescriptions, family size and employment situation.


AZ Health Insurance Brokers can help, with a free health insurance consultation that matches you up with health insurance options for yourself, your family or your business.

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Why Arizona Residents Trust AZ Health Insurance Brokers

  • Independent Arizona agency representing multiple carriers
  • Licensed Arizona health insurance brokers
  • Specialists in family, individual, Medicare and employer coverage
  • Free consultations and personalized plan recommendations
  • Ongoing support with claims, renewals and life changes


Since 2014, we've helped thousands of Arizona individuals, families and businesses compare their health insurance options based on budget, healthcare needs and preferred provider networks.

Why Arizona Residents Trust AZ Health Insurance Brokers

We help Arizona individuals, families, Medicare beneficiaries, self-employed professionals and employers compare coverage based on their healthcare needs and budget.


  • Arizona families
  • Self-employed individuals
  • Small business owners 
  • Employers with 2 to 500+ employees
  • Individuals turning 26 years old
  • People losing employer health insurance coverage
  • Medicare beneficiaries
  • Arizona retirees

Key Takeaways


  • Arizona offers several health insurance options. These include private health insurance through an Arizona health insurance broker, employer-sponsored group coverage, ACA Marketplace plans, COBRA, Medicare, and reimbursement-based options like ICHRAs.
  • The right plan depends on your situation. Look at who, if any, your preferred medical providers and hospitals are. Evaluate your medications and upcoming medical needs. Use your budget to find plans that fit your needs.
  • Comparing carriers matters. If you only go by the carrier with the lowest premium, you could end up paying more due to prescriptions and provider cost. An Arizona health insurance broker can help you navigate options that balance your coverage needs with your budget.
  • Review coverage annually. Every year, you may be able to change health insurance to a different plan that’s more cost-effective, while still covering your health insurance needs. Check in with your broker before your renewal date to evaluate your options.

How Our Arizona Health Insurance Process Works


1. Schedule a free consultation.


2. Tell us about your doctors, prescriptions, budget and situation.


3. Compare your Marketplace, private and employer options side by side.


4. Enroll in the plan that fits your needs.



5. Get ongoing support all year for claims, renewals and life changes.

Popular Arizona Health Insurance Resources


AZ Health Insurance Brokers is the top resource for Arizona health insurance information. We have guides on important topics related to Arizona health insurance, including the following.


Which Arizona Hospitals Accept Which Insurance?


Learn which Arizona hospitals, including HonorHealth, Mayo Clinic and Phoenix Children’s, accept which Affordable Care Act (ACA) Marketplace and private health insurance plans. Read now.


Best PPO & Family Health Insurance Plans in Arizona


Learn about the best preferred provider organization (PPO) plans and other plans for family health insurance in Arizona. Read now.


How Much Does Family Health Insurance Cost?


Learn about the benefits and costs of a private family health insurance plan. Read now.


Arizona Employer Health Insurance Guide


Learn how to buy group health insurance in Arizona, what types of employer health insurance are available and how to find the best group health insurance based on workforce size and other factors. Read now. 


Arizona Employer Trends 2026


Learn about 2026 trends in Arizona business health insurance, from premium rates, to the types of plans businesses are selecting. Read now.


Turning 26 Health Insurance Guide


For those who are turning 26 years old and are losing their health insurance because they’re no longer able to be on their parents’ plan, this guide explains how to prepare and transition to a different health insurance plan. Read now. 


PEO Exit Guide


Learn what to consider with PEOs and signs your business may be ready to leave your professional employer organization (PEO). Read now.

Which Situation Best Describes You?


Use the table below to find the right Arizona health insurance guide for your situation.

I am… Start here
Self-employed Individual Health Insurance Guide
Part of a family Family Health Insurance Guide
A business owner Group Health Insurance Guide
Turning 26 years old Turning 26 Health Insurance Guide
Losing health insurance coverage Special Enrollment Health Insurance Guide
Turning 65 years old Medicare Guide
Expecting or adding a baby Best Family Health Insurance Plans in Arizona
Growing my business toward 20+ employees Group Health Insurance Guide

Every personal situation is unique, but these guides will help you narrow down your best options for health insurance coverage. More questions? Contact us.

How Health Insurance Works in Arizona

In Arizona, you have several options for obtaining health insurance coverage. These include the following

  • Affordable Care Act (ACA) Marketplace Plans

    The Affordable Care Act (ACA) Marketplace is insurance offered through the federal government marketplace. If you qualify for subsidies due to income levels, these plans could be a good option for your wallet. Plans are segmented into “metal” tiers, which offer different premiums and out-of-pocket costs. Learn more about ACA Marketplace for Arizona.

  • Private PPO Plans

    PPO plans give you more control and choice in the provider(s) you see who are covered by your insurance. You can get private individual health insurance, including certain PPO-network options health insurance coverage at any time of year through an Arizona health insurance broker. Learn more about private PPO plans.

  • Employer Group Health Insurance

    If you work for an employer that offers group health insurance, you’ll have an open enrollment period during which you can sign up for their health insurance. Sometimes the plans and cost fit what you’re looking for. If not, private health insurance is an option. Learn more about employer group health insurance.

  • ICHRA / QSEHRA

    ICHRAs and QSEHRAs are employer-funded health reimbursement arrangements (HRAs), which differ from traditional group health insurance. Employees who participate can get monetary coverage for their healthcare needs, supplied by an employer up to a certain amount. ICHRAs and QSEHRAs work similarly, but a QSEHRA is for small businesses with fewer than 50 full-time employees and has maximum contribution caps. Learn more about ICHRA plans and QSEHRA plans.

  • Medicare

    If you’re turning 65 or are already 65 years or older, you can enroll in Medicare in Arizona. This federal healthcare program is also available for certain younger individuals with disabilities. There are coverage plans for hospital and medical insurance, as well as prescription drug coverage and extra coverage like dental, vision, hearing and wellness. Learn more about Medicare in Arizona.

  • Family & Individual Health Insurance

    There are three ways to get family and individual health insurance in Arizona. Read the guides below to determine what works best for you.

  • ACA Marketplace Family & Individual Health Insurance

    Individuals and families can get health insurance through the federal ACA Marketplace, during the open enrollment period each year, or outside of open enrollment if they qualify for a special enrollment period. All ACA Marketplace plans cover treatment for pre-existing conditions. There may be opportunity to qualify for ACA Marketplace plan subsidies, depending on income levels. Learn more about ACA Marketplace family and individual health insurance.

  • Private Family & Individual Health Insurance

    Private family and individual health insurance can be purchased any time of year through an Arizona health insurance broker. Some private plans provide broader network access than many Arizona Marketplace plans. Availability and provider participation should be verified before enrollment. Learn more about private family health insurance and individual health insurance.

  • COBRA

    Another option for individual and family health insurance is to use COBRA, the Consolidated Omnibus Budget Reconciliation Act. COBRA health insurance is available during certain life changes, including job loss, unemployment, divorce, retirement and death of a spouse. This type of coverage may last up to 36 months. Learn more about COBRA.

  • Business Health Insurance

    Businesses have lots of options for how to offer healthcare coverage to their employees. From traditional group health insurance with monthly premium coverage, to financial compensation for healthcare-related costs, the following are some available business health plans.

  • Fully Insured Group Health Insurance

    Fully insured plans are traditional health insurance, where an employer pays a fixed premium for employee health insurance. For businesses with 2 to 50 employees, fully insured plans use age and county to determine insurance rates. For businesses with more than 50 employees, fully insured plans are underwritten. Learn more about fully insured plans.

  • Level Funded Group Health Insurance

    Level funded plans use employees’ current and past health to underwrite the policy. These plans can benefit bigger groups, because risk is spread across the group. A business could also receive money back if the total claim amount is lower than what’s projected. Learn more about level funded plans.

  • ICHRA Plans

    An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows an employer to reimburse workers tax-free for individual health insurance and covered health expenses. Employees select their coverage, and an employer offers a fixed monthly allowance for coverage. Learn more about ICHRA plans.

  • PEOs

    Professional employer organizations (PEOs) function as outsourced human resources. They manage administrative tasks including group health insurance benefits, workers’ compensation, payroll and employee training. Learn about the costs and considerations of PEOs.

Get Benefits Strategy From an Arizona Health Insurance Broker


In 2026, AZ employers are seeing premium increases compared to 2025, which has led many companies to consider level funded insurance plans as a way to save. Work with an Arizona health insurance broker to avoid common pitfalls and get help choosing the most cost-effective plan for your business. We can help with exiting a PEO and create a benefits strategy that works for your business.

Arizona Hospitals & Doctor Networks

When selecting health insurance, it’s important to consider your preferred hospitals and doctors. If you or someone in your family needs specialized care, you’ll want health insurance coverage that enables you to see the best physicians for that treatment. 


Hospital participation varies by carrier, plan, network, facility and effective date. The examples below summarize common 2026 arrangements, but verify both the hospital and your specific physician before enrolling.

  • Mayo Clinic: A complex care facility specializing in cancer and cardiology. Mayo generally does not participate in ACA Marketplace plans and typically requires PPO coverage.


  • Phoenix Children's Hospital: Specializes in pediatric care. Among Marketplace carriers, Phoenix Children's currently participates with certain Imperial and Antidote plans.


  • HonorHealth: Specializing in orthopaedic, cancer and cardiovascular treatment. HonorHealth currently participates with certain Ambetter, Cigna and Oscar Marketplace plans.


  • Banner Health: Provides general and statewide hospital access, and currently participates with certain Ambetter, BCBS of AZ and UnitedHealthcare Marketplace plans.



  • Tucson Medical Center: Specializing in emergency, pediatrics, heart health and cardiovascular services. TMC currently participates with certain Ambetter, BCBS of AZ and Imperial Marketplace plans.

What Makes Arizona Health Insurance Different?


Arizona's health insurance market has quirks national guides miss. Some of the state's most sought-after facilities set their own rules: Mayo Clinic in Arizona generally accepts PPO plans rather than ACA Marketplace coverage, and Phoenix Children's Hospital accepts only a limited set of Marketplace carriers — so your choice of plan and network matters more here than in many states. Arizona is also home to a large population of seasonal residents, or “snowbirds,” who split the year between states and often need PPO or national-network coverage that travels with them. Rapid population growth across metro Phoenix and Tucson has drawn strong carrier competition to the Marketplace, which can mean more plan options from year to year. And with major systems like Banner Health and HonorHealth anchoring different networks, matching your plan to the right hospital system is often the difference between smooth care and surprise out-of-network costs.


Arizona Individual and Family Health Insurance Carriers


These are some of the most popular health insurers Arizona individuals and families compare. We work with many more carriers across the state — contact us for options specific to your situation.

Carrier Best Known For
Ambetter Marketplace value
AZ Blue / BCBS of AZ Broad statewide access
Oscar Digital experience
Antidote Virtual-first care and transparent pricing
Imperial Standard and preferred Marketplace plans
UHC National PPO access
Cigna National network

Some private, non-ACA plans use national carrier networks rather than being issued directly by those carriers

Arizona Group Health Insurance Carriers


These are among the group carriers Arizona employers most often compare. We work with additional carriers and third-party administrators depending on your workforce and goals.

Carrier Best Known For (Group Coverage)
UnitedHealthcare (UHC) Largest national PPO network; innovative plans like Surest (copay-only, no deductibles)
Blue Cross Blue Shield of AZ Strong statewide and rural Arizona access; strong prescription formulary
Cigna Large groups (100+ enrolled); strong level-funded and ASO options
Aetna All group sizes; direct Banner Health ties and narrow-network savings
TPA-administered plans Level-funded and self-funded flexibility; potential savings vs. traditional plans

How Arizona Residents Typically Choose Health Insurance


Your life situation will heavily influence how you purchase insurance. Look at the following table to see where you fit.

Situation Where to Get Health Insurance
Need subsidies due to income ACA Marketplace
Healthy/want to see preferred providers Private health insurance broker
Business owner/employee Group insurance through a private broker/through work
Turning 65 years old Medicare

What Arizona Residents Usually Ask Us


“I'm self-employed and need coverage.” ACA Marketplace plans are available during open enrollment or after a qualifying life event. Private, non-ACA plans may be available year-round, but they're medically underwritten, so eligibility depends on your health history. See our Individual Health Insurance Guide.


“I'm losing my employer coverage.” This usually opens a special enrollment period, and COBRA may also be an option. See our Special Enrollment Guide.


“I'm turning 26 and coming off my parents' plan.” That triggers a special enrollment window to choose your own plan. See our Turning 26 Guide.


“I'm expecting a baby.” Adding a family member is a qualifying life event, and maternity coverage varies by plan. See our Best Family Health Insurance Plans guide.


“I want to keep seeing Mayo Clinic or Phoenix Children's.” These facilities accept specific plan types and carriers, so network fit matters. See our Arizona Hospitals Insurance Guide.


“Our renewal came back with a big rate increase." A steep renewal is often the moment to shop the market rather than accept it. Depending on your size, level-funded or a different carrier can bring costs back down. See our Group Health Insurance Guide.


“My business just hit 20 employees.” Around this size, it's worth comparing level-funded and fully insured group options. See our Group Health Insurance Guide.


"We're stuck in a PEO and want out." Many growing companies outgrow their PEO and can lower costs by moving to a broker-managed group plan. See our PEO Exit Guide.


“I'm turning 65.” You'll become eligible for Medicare, with several parts and plan types to weigh. See our Arizona Medicare Guide.

Why Work With AZ Health Insurance Brokers?

When you need health insurance, there are lots of benefits to the free services you get from AZ Health Insurance Brokers. Advantages we offer include:



  • Arizona expertise: We have deep knowledge about every Arizona health insurance offering, for individuals, families and businesses. 
  • Multiple carriers offered: When we connect individuals, families and businesses with health insurance providers, we offer diverse insurance plans from a variety of Arizona carriers.
  • Licensed brokers: All our experienced brokers have the licenses and credentials to work with you in Arizona. Our team of professionals stays up-to-date on all the latest Arizona health insurance trends to provide your business or your family a competitive edge in cost savings and better health insurance choice.
  • Personalized recommendations: We get to know your healthcare needs, your budget, your preferred networks and other details so we can provide the best selection of personalized recommendations to save you money and improve your healthcare satisfaction.
  • Ongoing service: We’re your broker and partner throughout our relationship. You can call or email us any time for help with anything related to your health insurance and providers. Expect prompt, friendly, personalized service you can count on.


Healthcare can be complicated and confusing. We help you navigate all your options, so you can be confident in your choice.

Serving Families and Businesses Across Arizona


AZ Health Insurance Brokers works with individuals, families and employers throughout Arizona — from the Phoenix metro, including Scottsdale, Mesa, Chandler, Gilbert and Glendale, to Tucson, Flagstaff, Prescott and Yuma, and across Maricopa, Pima, Pinal, Yavapai, Mohave and Coconino counties. Wherever you are in the state, we can help you compare local plans and provider networks.

Arizona Health Insurance Learning Center


Individual & Family Health Insurance



Business Health Insurance



Medicare



Hospitals



Employer Resources



Self-Employed


Frequently Asked Questions

  • How do I choose health insurance in Arizona?

    Health insurance provides financial protection for medical expenses. With traditional health

    insurance, the insured person pays a monthly fee in exchange for healthcare coverage

    according to the plan terms.

  • What is the difference between Marketplace and private insurance?

    Health insurance matters because without it, a sick or injured person will have to pay out of

    pocket for medical coverage. Medical care can cost up to hundreds of thousands of dollars

    without health insurance. With health insurance, someone needing medical care can get the

    care they need and potentially get coverage for all or some of the costs, depending on the

    plan terms.

  • Can I keep my doctor?

    At AZ Health Insurance Brokers, we consult with our clients to find out who needs coverage

    (individual, spouse, children, etc.) and what kind of coverage works for the individual or

    family. We then present a variety of options from our partner insurers to find the most cost-

    effective plan that provides the exact coverage needed.


    In addition to individual health insurance and family health insurance plans, we help

    businesses select group insurance plans for their employees.

  • What hospitals accept Marketplace plans?

    To understand your best health insurance plan choice, it’s best to talk with a health

    insurance professional who can help you compare plans and options. Consider the

    frequency of medical care you require, if you have any current medical issues, if you have

    upcoming procedures or surgeries, and/or if you anticipate any future healthcare needs may

    arise, like pregnancy.


    If you’re relatively healthy and you’re looking for preventive care, your ideal plan will be

    different compared to someone with a preexisting condition who requires more frequent

    medical care and prescriptions. That’s why talking with a health insurance professional can

    be helpful, so you understand all relevant options.

  • How much does family health insurance cost in Arizona?

    Costs vary based on age, county, family size, health status and the type of plan you choose. As an example, for a family of four in Maricopa County — two 35-year-old parents and two children — here's what we typically see in 2026:


    ACA Marketplace plans: roughly $1,200 to $2,500 per month before any subsidies, depending on the metal tier. These plans are guaranteed issue, meaning you can't be denied or charged more for pre-existing conditions.


    With a subsidy: families who qualify for premium tax credits based on household income often pay between $0 and $600 per month, depending on estimated income and the plan they select.


    Private, non-ACA plans: roughly $650 to $1,750 per month. These plans are medically underwritten, so eligibility and pricing depend on your family's health history, and they may exclude pre-existing conditions or cover fewer benefits than an ACA plan. They're generally a fit for healthier families whose income is too high to qualify for a subsidy — but they're not the right choice for everyone.


    The lowest premium isn't always the lowest total cost, especially if someone in your family has ongoing medical needs. We'll walk you through what each option actually covers so you can compare them fairly. Get a free family health insurance quote.


  • When should a business offer group health insurance?

    An HRA in health insurance terms refers to a health reimbursement arrangement. With an

    HRA, the employer provides tax-free healthcare reimbursement to employees. HRA types

    include a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) and an

    Individual Coverage Health Reimbursement Arrangement (ICHRA).

  • What is an ICHRA?

    FSA stands for flexible spending account. Employers may offer employees an FSA, where

    workers can put money into the account, pre-tax, to use toward healthcare expenses, as

    well as dependent care expenses.

  • How do health insurance subsidies work?

    Health insurance subsidies through the Affordable Care Act lower or eliminate out-of-pocket costs for health insurance monthly premiums. You may qualify for a subsidy based on your estimated income and household size.

Contact AZ Health Insurance Brokers


We’re here to help you navigate your health insurance needs. Don’t let the complexities of health insurance pressure you into choosing a plan that’s more expensive than you need or that doesn’t provide the coverage you’re looking for. We offer free consultations to help you understand what’s available. 


Schedule an Arizona health insurance consultation.


602.617.4107


info@azhealthinsurancebrokers.com 

About Our Editorial Team


Editorial Standards: Every guide published by AZ Health Insurance Brokers is researched using current carrier information, federal and Arizona insurance guidance, and reviewed by a licensed Arizona health insurance professional before publication. We regularly update our resources to reflect changes in Arizona insurance carriers, provider networks, Marketplace rules and employer health insurance trends.

Written by: Nicki Escudero

Nicki Escudero is a healthcare content writer who specializes in creating educational resources about health insurance, employee benefits and healthcare topics. She works closely with licensed Arizona health insurance professionals to ensure articles are accurate, easy to understand and reflect current market trends. Her goal is to help Arizona individuals, families and business owners make informed health insurance decisions through clear, well-researched content.

Reviewed by: Ethan J. Pickner, Licensed Arizona Health Insurance Broker

Ethan J. Pickner is the founder of AZ Health Insurance Brokers and a licensed Arizona health insurance broker. Since 2014, he has helped thousands of Arizona individuals, families and small businesses compare and choose health insurance coverage. Ethan specializes in individual and family health insurance, small business coverage, and HRA strategies — including ICHRAs — that help businesses fund employee healthcare. He reviews educational content for accuracy, regulatory relevance and practical guidance based on current Arizona health insurance markets.

Reviewed by: Ryan Calloway, Group Benefits Specialist

Ryan Calloway is a Group Benefits Specialist at AZ Health Insurance Brokers who focuses on employer-sponsored health insurance solutions for Arizona businesses. He works with employers to compare fully insured and level-funded group plan structures, helping companies weigh costs, provider networks and employee benefit options. Ryan has extensive experience assisting growing businesses as they transition from individual reimbursement arrangements to group health insurance plans that align with their workforce, budget and long-term business goals. He reviews employer-focused content to ensure it reflects current market trends and practical considerations for Arizona businesses.