Health insurance is essential in a city like Arizona, considering medical expenses are high. Browsing the market for health insurance plans can take time, especially when locating affordable options offering comprehensive coverage. This blog lists Arizona’s best and most affordable health insurance options and clarifies their benefits, disadvantages, monthly costs, out-of-pocket expenses, and deductibles.
Top Cheap Health Insurance in Arizona
Although there are numerous health insurance providers in Arizona, finding the right one could take time and effort. These are the top cheap health insurance options in Arizona.
Beem
Beem is a reliable platform that links people needing inexpensive health insurance with certified insurance agents who can help them locate plans that fit their specific needs. It can help you find short-term medical coverage, accident insurance, critical illness coverage, or dental plans. Beem empowers you with multiple options that cater to individual and family needs.
| Factors | Details |
| Pros | Provides options for individual and family plans.Benefits for office visits and urgent care.Large national networks are accessible.Flexible coverage duration (30 days to 1 year). |
| Cons | It may not be suitable for long-term coverage. |
| Monthly Cost | It is between $391 to $ 407 depending on the plan and the chosen health insurance coverage. |
| Out-Of-Pocket Expenses | It varies based on the plan selected. |
| Deductibles | Ranges from $1,000 to $5,000, depending on the plan. |
Oscar Secure
Oscar Secure adopts a user-friendly approach to empower members, with features such as activating member accounts, seamless payment options, and finding nearby providers through the mobile app. Members should consider potential limitations in provider networks and coverage areas.
| Factors | Details |
| Pros | A dedicated care team that provides personalized supportSavings on prescription drugs$0 virtual urgent care visitsUser-friendly mobile app for easy access to care |
| Cons | Potential limitations in provider networks and coverage areasMonthly costs may vary based on selected plans |
| Monthly Cost | Individual plans: $200 to $500+Family plans: $500 to $1,200+ |
| Out-Of-Pocket Expenses | Ranges between $2,000 to $8,000 |
| Deductibles | Individual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+ |
BCBS Blue Advanced Health Bronze
BCBS Blue Advanced Health Bronze is a leading affordable health insurance provider focusing on mental health care, addressing health disparities, and offering nationwide coverage. However, the plan comes with higher deductibles and limited coverage for non-generic prescriptions.
| Factors | Details |
| Pros | Large network of providersIt also focuses on mental health and trauma-informed care.Nationwide coveragePersonalized healthcare solutions |
| Cons | Some plans may have higher premiumsWeight-loss drug discontinuation rates |
| Monthly cost | Individual plans: $200 to $500+Family plans: $500 to $1,200+ |
| Out-Of-Pocket Expenses | It ranges from $2,000 to $8,000 |
| Deductibles | Individual plans: $1,000 to $5,000+Family plans: $2,000 to $10,000+ |
Banner Aetna Silver
Banner Aetna Silver has a wide network of providers and offers a range of health insurance plans designed to provide extensive medical coverage, including telehealth services, maternity, telecare, specialty care, etc. However, the plan may have higher copayments for specialist visits and limited coverage areas.
| Factors | Details |
| Pros | Access to high-quality care 24/7.Comprehensive coverage and telehealth facility.Specialty care options for complex medical needs. |
| Cons | Premiums are slightly higher than competitors.Out-of-network care is expensive. |
| Monthly Cost | Around $350 for an individual plan. |
| Out-Of-Pocket Expenses | Approximately $6,500 maximum out-of-pocket. |
| Deductibles | Typically, $1,500 for an individual. |
UHC
United Healthcare is another primary national insurance provider with coverage options in Arizona. It offers different plans and is known for being budget-friendly and efficient.
| Factors | Details |
| Pros | Many health insurance plan optionsLarge national networkSpecial benefits to members |
| Cons | Smaller network of doctors as compared to some competitors. |
| Monthly Cost | Around $350 for an individual bronze plan. |
| Out-Of-Pocket Expenses | Approximately $6,500 maximum out-of-pocket, depending upon the plan chosen. |
| Deductible | It depends upon the coverage, but typically, it is $1,500 for an individual bronze plan. |
Cigna
Cigna is a big national insurance carrier with a strong presence in Arizona. It offers a good range of plan choices, making it versatile for various needs.
| Factors | Details |
| Pros | Well-established in ArizonaGood track record and customer baseIt provides coverage while traveling, too |
| Cons | Higher monthly premium |
| Monthly Cost | One can expect its cost to be in the $288-$424 range |
| Out-Of-Pocket Expenses | It depends upon the plan chosen. |
| Deductibles | It depends upon the coverage, but typically it is on a higher end. |
Ambetter
Ambetter offers competitive pricing and comprehensive coverage options, focusing strongly on preventive care. It provides a range of marketplace insurance plans that cover essential health benefits for individuals and families. However, its provider network is limited, and customer service reviews are mixed.
| Factors | Details |
| Pros | Access to Walmart health centers. Member programs and perks like gym memberships. Competitive pricing. Coverage for essential health benefits. |
| Cons | It receives mixed reviews on customer service. Some plans might have higher out-of-pocket costs. |
| Monthly Fees | Around $290 for an individual plan. |
| Out-Of-Pocket Expenses | Approximately $7,500 maximum out-of-pocket. |
| Deductibles | Typically, $2,500 for an individual. |
Imperial Health
Imperial Health offers affordable premiums and a good range of plan options. It focuses on preventive services and is a network of more than 60 providers cooperating in the delivery of advanced medical care services.
| Factors | Details |
| Pros | Offers a variety of services. A large number of medical doctors. Doctors from different specializations are available. |
| Cons | No clarity on out-of-pocket costs |
Monthly costs, out-of-pocket expenses and deductibles depend upon the plan chosen and the coverage limit selected. Get a quote from the website for details.
Medica
Medica is known for strong customer satisfaction and various plans with different coverage levels. It provides wellness programs and other tools for employers and agents.
| Factors | Details |
| Pros | A variety of plans with different coverage levelsEasy access to doctorsFree fitness membership |
| Cons | Limited coverage outside certain areas |
| Monthly Cost | Premiums as low as $0 |
| Out-of-Pocket Expenses | It depends on the plan chosen, but it can maximum cover 90% of the total expenses. |
| Deductibles | Deductibles depend upon the coverage limits and plan selected. |
Conclusion
Affordable health insurance in Arizona is vital owing to its higher medical costs. However, cheaper plans bring an excellent balance of affordability and coverage. This blog has explored some of Arizona’s top cheap health insurance plans, detailing their benefits, drawbacks, monthly costs, out-of-pocket expenses, and deductibles.
Plans, including but not limited to those offered by platforms like Beem, mean individuals and families can find appropriate coverage that meets their healthcare needs without breaking their wallets.
Read related article: Cheap health insurance in Florida.
FAQs
Who offers the lowest health insurance rates in Arizona?
Although rates may vary depending on individual circumstances, Ambetter and Trybeem usually have the lowest monthly premiums in Arizona. Both offer competitive pricing and comprehensive coverage options that can satisfy many consumers.
How to get free health insurance in Arizona?
Free health insurance is usually available in Arizona through Medicaid, also called AHCCCS. To qualify, people must meet certain income and eligibility requirements. Besides, community health centers and programs offer sliding-scale fees based on income, which can be enormous and even nothing if the individual is qualified.
Which has low deductibles and out-of-pockets in Arizona?
Plans like Oscar Secure and UHC offer lower deductibles and out-of-pocket costs in higher-tier plans. However, one must compare specific plan details to find the best value for premiums and possible out-of-pocket expenses.
