Health insurance options in Phoenix
Residents of Phoenix and Maricopa County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from Blue Cross Blue Shield of Arizona, Ambetter, Oscar, Banner|Aetna, and UnitedHealthcare priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Phoenix have only been shown the first.
What it costs in Phoenix
A healthy 40-year-old in Phoenix pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Phoenix doctors
Marketplace plans in Arizona are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Maricopa County and work in every state — we check your specific doctors before you enroll.
The Arizona factor
Arizona's marketplace is dominated by HMO plans tied to one hospital system, so people who want to keep doctors across Phoenix and Tucson — or who travel — are the ones who end up on a PPO. Arizona has no state individual mandate.