Antidote 2026 Individual & Family Health Insurance on the ACA Marketplace
If you’re looking for a federal Affordable Care Act (ACA) Marketplace plan for your health insurance, one brand to consider is Antidote. Antidote is a technology-powered health maintenance organization (HMO) that offers affordable healthcare when you use the carrier’s in-network providers. Antidote is available on the ACA Marketplace for Arizona residents in Maricopa, Pima and Pinal counties, with Arizona joining Ohio as the second state in the country to offer Antidote.
If you’re in the market for new individual or family insurance, or you simply want to compare your options so you can be confident you’ve made the best choice for a health insurer before open enrollment ends, this guide to Antidote explains what you can expect from this Arizona insurance provider. Open enrollment is from November 1 through January 15, so research your options before this window closes.
When you’re ready to sign up for ACA Marketplace insurance, use this
free form to compare what’s available and get access to a personalized customer service agent who can answer any questions you have.
Key Takeaways
- Antidote is a virtual-first health maintenance organization (HMO), where members can get affordable healthcare when they use providers that are covered within the network.
- Because Antidote is not a preferred provider organization, if you choose to see a physician outside of the HMO network, you’ll have to pay for costs out-of-pocket. This means, if you have a preferred provider, you should check to see if they’re covered by Antidote before signing up for this health insurer.
- With Antidote, you’re assigned a virtual primary care provider and can get 24/7 virtual care for free. You can typically see a provider in as few as 20 minutes through the Antidote app.
Antidote 2026 ACA Healthcare Plans: What’s Available?
Antidote offers a variety of plans in Arizona for 2026, each with different costs and benefits. There have been some price increases from 2025 to 2026, which are as follows:
Antidote 2025–2026 Rate Changes in Maricopa County
Antidote premiums increased across all metal tiers from 2025 to 2026. The average rate change ranged between 17% and 18%, depending on the plan level.
| Metal Tier | 2025 Avg. Premium* | 2026 Avg. Premium* | % Change |
|---|---|---|---|
| Bronze | $365.25 | $429.55 | 0.18 |
| Silver | $459.11 | $542.96 | 0.18 |
| Gold | $578.82 | $679.10 | 0.17 |
*Average monthly premium before subsidies, based on Maricopa County Marketplace rates.
Takeaway:
Antidote’s 2026 premiums increased moderately compared to other Arizona carriers, keeping it one of the more affordable options in the Marketplace. With its virtual-first model, low-cost telehealth access, and growing Arizona provider network (including Abrazo, Dignity, and Phoenix Children’s Care Network), Antidote remains a strong pick for individuals and families seeking convenience and lower premiums.
Tayler Busack with AZ Health Insurance Brokers
“Antidote has quickly become a good option for Arizonans who want affordable Marketplace coverage and don’t mind a virtual-first model. Their rates for 2026 are lower than most carriers, and many clients appreciate how simple it is to get care through the app.”
Antidote offers a variety of plans in Arizona for 2026, each with different costs and benefits. There have been some price increases from 2025 to 2026, which are as follows…
| Antidote Complete Gold, Silver & Bronze |
|---|
| Deductible | Out-of-pocket maximum | Coinsurance | PCP copay | Specialist copay | |
|---|---|---|---|---|---|
| Gold | $3,000.00 | $9,000.00 | 65%/35% | No charge | $25 |
| Silver | $7,500.00 | $10,600.00 | 60%/40% | No charge | $30 |
| Bronze | $8,700.00 | $10,600.00 | 50%/50% | No charge | $100 |
| Antidote Standard Gold, Silver & Bronze |
|---|
| Deductible | Out-of-pocket maximum | Coinsurance | PCP copay | Specialist copay | |
|---|---|---|---|---|---|
| Gold | $2,000.00 | $8,200.00 | 75%/25% | $30 | $60 |
| Silver | $6,000.00 | $8,900.00 | 60%/40% | $40 | $80 |
| Bronze | $7,500.00 | $10,000.00 | 50%/50% | $50 | $100 |
Remember, these are just highlights. Be sure to review the full plan details, and consider your individual needs and budget before making a decision.
How Does Antidote Work?
Antidote may be a good health insurance option for individuals and families who want the convenience of healthcare in their smartphone or computer, and who don’t mind being limited to physicians who are covered within the Antidote network. Some of the benefits of having an Antidote individual or family health insurance plan include:
- Get 24/7 access to a virtual primary care provider, for $0 cost. With the Antidote app, you can see a healthcare provider virtually within about 20 minutes, any time of day. There’s never any cost to seeing your virtual primary care provider. If that exact person isn’t available, another doctor will help you.
- Get free in-person primary care provider visits. It’s also no cost to see a primary care provider in person. When your primary care provider refers you to a specialist, you’ll get a discounted rate, or potentially no-cost care.
- Virtual primary care providers can diagnose, treat and prescribe for diverse medical conditions. Virtual primary care providers can offer primary and urgent care, mental health services and chronic health services. Some conditions Antidote virtual care providers can help with include coughs, sore throats, urinary tract infections, muscle sprains, nausea, flu-like symptoms, skin infections, major depressive disorders, diabetes and hypertension.
- Get affordable medications. Antidote provides $0 copay options for select prescriptions and low-cost options for other medications.
For Arizona residents, you can expect Antidote coverage for urgent care, emergency response and employed doctors in the Arizona Care Network (ACN), which includes Dignity Health, Abrazo Health and Phoenix Children’s Care Network, as well as with HonorHealth networks. If your preferred provider is in-network with Antidote, you can continue to see them at in-network prices. If they’re not, you won’t be covered.
Considerations for Antidote
A major consideration with Antidote health insurance plans in Arizona is that you’ll be limited to their network of providers if you want healthcare coverage, since they’re an HMO. If you have doctors you know you want to continue seeing, check that they’re covered in-network with Antidote, first.
Also, because Antidote is so new to the health insurance space (with an investment from National Basketball Association star Giannis Antetokounmpo to boost it!), you should also consider how long you plan on being an Arizona resident for in the year you have coverage. If you move to any other state other than Ohio, you’ll have to find a new health insurer. Moving does typically qualify you for a special enrollment period, in which you can sign up for a new health insurer, but it’s worth considering for the potential inconvenience.
How to Sign Up for Antidote on the ACA Marketplace
When you’re ready to sign up for Antidote on the ACA Marketplace, use our free form. Open enrollment begins November 1 and lasts through December 15 for coverage beginning January 1. If you sign up between December 16 and January 15, your coverage will begin February 1.
If you experience a qualifying event for a special enrollment period, you’ll typically have 60 days before or after the event to sign up, as well. Qualifying events include having a child or adopting a child, moving, losing health insurance through work, getting divorced, and having household income fall below a certain amount.
To sign up for Antidote or compare
all
your ACA Marketplace options, use
our form now. If you have questions about
health insurance in Arizona in general, you can call 602.617.4107,
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Antidote ACA Marketplace Individual & Family Insurance FAQs
How is Antidote an HMO?
A health maintenance organization (HMO) limits members to get healthcare coverage within its network of doctors. For members of an HMO like Antidote, you’ll have to use their doctors in order to get your healthcare costs covered. You’ll pay out-of-pocket for out-of-network providers.
Where is Antidote health insurance offered?
Antidote health insurance currently operates in Arizona’s Maricopa, Pima and Pinal counties and in Ohio.
What is Antidote virtual care?
Through its app, Antidote offers free 24/7 virtual care. Members can see a physician virtually for medical issues such as cough, sore throat, flu-like symptoms, depression, anxiety, diabetes and hypertension.
How much does it cost to see a primary care physician with Antidote?
It’s free to see a primary care physician in person or virtually when you have Antidote health insurance.
How much does it cost to see a specialist with Antidote?
If you see a specialist referred by your Antidote primary care physician, you may be able to see them for as little as $25. If you see a specialist not referred by your Antidote primary care physician, you’ll have to pay out-of-pocket for care.
What health insurance plans does Antidote offer on the ACA Marketplace?
Antidote offers Standard, Complete and Elite ACA Marketplace health insurance plans in Bronze, Silver and Gold tiers. Each plan varies in the amount the insurance provider covers versus how much the insured is responsible for paying out-of-pocket.
When can you sign up for Antidote ACA health insurance?
Open enrollment for Antidote ACA Marketplace health insurance is between November 1 and January 15. If you qualify for a special enrollment period, you may be able to apply for Antidote ACA Marketplace insurance outside of open enrollment.
How can you sign up for Antidote ACA Marketplace insurance?
Use this form to see all the ACA Marketplace health insurance plans that fit your budget and your and your family’s healthcare needs. A health insurance advisor will help you sign up for Antidote ACA health insurance or another provider for free.
Can you keep your current provider on Antidote healthcare?
Because Antidote is an HMO, only in-network providers are covered in the health insurance plans. If you want to keep your current provider, you can get coverage if they’re in-network, or you can pay out-of-network prices to retain your current out-of-network provider with Antidote.
Does Antidote offer family health insurance coverage?
Yes, Antidote offers both individual and family healthcare coverage. Family members include a spouse/partner and dependent children, until they turn the age of 26 years old.
