Health Insurance in Arizona & Health-E-Arizona Information

The Arizona health insurance marketplace is run by the federal government. If you want to buy health insurance in Arizona, you can visit or go directly to any of the major health insurance carriers to select your plan. The 2017 open enrollment period started November 1st, 2016 and ended January 31st, 2017. If you live in Arizona and want to purchase coverage within the OEP, you can compare health insurance rates on Or, you can buy insurance anytime outside the marketplace by purchasing directly from major insurance carriers that offer plans in Arizona.

Need help choosing your coverage? Let our licensed insurance agents help you. Just call 1-888-418-8798 to speak to an agent who will be happy to discuss your insurance options.

Alternatively, you can enter your zip code in the search box and we will direct you to an insurance agent near you.

Health Insurance Exchange in Arizona

In April 2015, Gov. Doug Ducey banned the state from creating a state-run exchange when he signed House Bill 2643 into legislation. He told reporters that he is “not in favor of a state exchange” and is “no fan of Obamacare.”

If it were not for the SC-issued ruling in June 2015 which upheld the legality of subsidies regardless of whether the Health insurance Exchange is federally run or state-run, an estimated 133,000 Arizonians would have lost their subsidies (and consequently, their insurance).

Arizonians who are looking for federally subsidized health coverage need to purchase plans through the Obamacare marketplace. Those who buy outside the Exchange can do so, but they will not be eligible for federal subsidies.

In Arizona, the health care law mandates most people to get a qualifying health insurance plan, otherwise, they will have to pay a tax penalty. However, if you qualify for an exemption, you will not have to pay a fine.

Health-E-Arizona Plus

Health-E-Arizona Plus is a web-based application for residents of the state. Through this platform, you can apply for medical coverage and cash assistance. Even if you are currently receiving benefits or have applied previously, you can still use Health-E-Arizona Plus for the following purposes:

  • Complete your Health-E-Arizona Plus application for Nutrition Assistance, AHCCCS (Arizona Health Care Cost Containment System) Health Insurance and Cash Assistance.
  • Renew your benefits.
  • Fax your documents and view them online.
  • View your online application.

Health Insurance Carriers for 2017

Arizona uses a federally operated Exchange through In 2016, the state only had 8 carriers that offered plans in the Exchange. For the year 2017, only 3 carriers are offering plans in the Exchange and they are:

  • Blue Cross Blue Shield of Arizona
  • Health Net
  • Ambetter
  1. Blue Cross Blue Shield of Arizona

This insurance company offers a wide range of health insurance, short term insurance, dental plans and specialty plans for kids and adults. The company is committed to helping Arizona residents stay healthy and get healthier and today, they provide health insurance and related services to almost 1.5 million people.

  1. Healthnet of Arizona

Healthnet, a subsidiary of Centene Corporation, is a Health Maintenance Organization (HMO) which provides health insurance plans and managed health care in the state of Arizona. They offer PPO, POS, HAS, HMO, dental, life insurance, vision and indemnity plans.

Its mission is to help people maintain good health. It is one of the nation’s biggest managed health care providers and is the carrier of choice of 6.8 million people. Healthnet has more than 27 years of experience in the health insurance industry.

  1. Ambetter

Ambetter lets you pick a plan that suits your budget and needs. This company offers a wide array of coverage options for the Marketplace. Ambetter products are offered by Centene Corporation which has over 3 decades of experience in the industry.

For the majority of Arizona, only one insurance provider will be offered in the Exchange. However, in Pima county, some will be given 3 options while others will have 2. Previously, Blue Cross Blue Shield of Arizona announced that they would be exiting but have now decided to continue offering health insurance plans in 2017.

Compare Health Insurance in Arizona

If you have not applied for health insurance in the Marketplace before, there are a few things to remember.

First of all, if you do not have health insurance, Medicaid, Medicare, CHIP coverage or any source that gives you qualifying coverage, the Health Insurance Marketplace can provide you with various insurance plans that you can choose from.

The cost of your coverage will depend on your income, and the majority of applicants (8 in 10) are eligible for subsidies and tax credits.

If you do not have health insurance, you may be required to pay a penalty unless you qualify for an exemption. For 2017, the penalty is $695 per adult ($347.50 per child) or 2.5% of your total income, whichever is greater. Visit to view and compare your coverage options.

If you prefer to speak with an insurance agent to discuss your requirements, simply fill out our contact form or call 1-888-418-8798 and we’ll be glad to assist you.