Health care is a top issue for voters in the 2020 election. Polling indicates voter concerns range from the high cost of health coverage and prescription drugs, to protections for people with pre-existing conditions, to women’s health issues. Show
To understand the health care landscape in which the 2020 election policy debates will unfold, these state health care snapshots provide data across a variety of health policy subjects, including health care costs, health coverage—Medicaid, Medicare, private insurance—and the uninsured, women’s health, health status, and access to care. They also describe each state’s political environment. Please note, the data included in these snapshots come from a variety of different sources and time periods, and therefore, may not be comparable. Click on a state to learn more.
Below is a snapshot of the lowest SHOP premiums available in Arizona. Employers with between 1 and 50 full-time equivalent employees can offer insurance through SHOP. Premiums shown are total costs per employee per month. You can share the cost of these premiums with your employees, if you wish.
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Questions? Contact the SHOP Call Center 1-800-706-7893 (TTY 711) Mon- Fri 9 a.m. - 5 p.m. ET. Think finding cheap health insurance in Arizona is as overwhelming as hiking the entire Grand Canyon? The number of plans available makes it difficult to decide which one is best for you. You might have questions about health insurance in Arizona. Follow this guide to learn how health insurance works, how to get it and which insurance companies offer cheap health insurance in Arizona. Quick Look: The Best Arizona Health Insurance
The Best Arizona Health InsuranceWe took the time to research the best health insurance providers in Arizona for you. In addition to plan costs, we looked at awards and additional benefits from each provider. Check out our top picks for cheap health insurance in Arizona. 1. OscarOscar Insurance offers a range of HMO health plans in Arizona. Plans from Oscar are some of the cheapest in Arizona. They offer plans in several tiers so you can get the cheapest insurance, depending on your coverage needs. The company offers a doctor on call at no extra charge, which allows you to make a call in the Oscar mobile app and speak to a board-certified doctor anytime, anywhere. 2. BlueCross BlueShield of ArizonaBlueCross BlueShield, one of the largest networks in the country, offers health insurance in a majority of states through local companies. BlueCross BlueShield of Arizona is the 2019 runner-up for the J.D. Power Health Plan Satisfaction Study award. The company ranks highly among health insurance providers in categories like coverage and benefits, provider choices and communication with customers. The overall satisfaction rating from J.D. Power is among the best of providers in the Southwest.
3. CignaCigna ranks among the best of providers in the 2019 J.D. Power Health Plan Satisfaction Study in customer service, provider choice and ease of billing. The company offers several cheap health insurance plans in Arizona. In addition to a large provider network, Cigna gives members access to several mobile apps. These apps help make it easier to manage your account and make healthy choices. 4. Ambetter from Arizona Complete HealthAmbetter plans from Arizona Complete Health give you a handful of plan options for cheap health insurance. The company also offers plenty of additional benefits if you choose to enroll in an Ambetter plan. The My Health Pays rewards program allows you to earn cash for future purchases or services by making healthy choices. Your rewards can be redeemed for doctor’s visit copays, put toward your deductible and even used to pay your monthly utility bills.
5. Bright HealthIf you live in Phoenix, you can take advantage of Bright Health insurance plans. The plans are cheap and give you access to Bright Health Rewards. This rewards program gives you cash back for healthy choices. When you enroll in a Bright Health plan, you’ll get a debit card that is loaded with your cash rewards. Anyone on your Bright Health plan, such as a spouse or children, can earn rewards for the family.
What is Health Insurance?Health insurance helps you pay for medical bills, like a hospital stay or surgery. You pay a set fee each month, called a premium, to your insurance company. If you need to visit the doctor or go to the hospital, your insurance pays for part of the bill. How to Get Cheap Health Insurance in ArizonaYou might be wondering how to get health insurance or how to know if you’re currently covered. Most employers offer an employee health insurance benefit plan. An employer plan (group plan) allows you and your coworkers to receive discounted insurance premiums. Employers not only offer a plan but pay for a portion of the premium as well. Most group health insurance plans offer coverage to your dependents, too. Your dependents include your spouse if you’re married or any children you have. Some group health plans also cover unmarried domestic partners. If your health insurance plan offers coverage for domestic partners, you and your partner may need to sign an affidavit of domestic partnership. This form states you’re in a committed romantic relationship, live together and plan to continue your relationship for the foreseeable future. This helps to reduce the chance of ineligible individuals who take advantage of health insurance benefits, such as roommates. Under the Affordable Care Act, children are considered dependents up to age 26. For example, let’s say you’re a student in Arizona and have health insurance from one of your parents’ employers. You’re eligible to stay on that plan as long as your parent continues to enroll in the plan. Even if you graduate and take a job that offers insurance, you can turn down employer health insurance coverage and stay on your parent’s plan until you turn 26. Don’t have health insurance through an employer? Too old to be on a parent’s plan? There are still plenty of options for health insurance. You can shop for an individual health insurance plan. Most individual plans cost more per month than an employer plan. You may want to pay for individual health insurance if that’s your only option. One large medical bill could end up costing you tens of thousands of dollars. Health insurance can help reduce the amount you have to pay out of pocket. Average Cost of Health Insurance in ArizonaThe annual average cost of health insurance premiums in Arizona is $1,554 for employees on a group plan — about $130 per month that you must pay. Employers cover an average of $4,675 in premiums each year, or just under $390 per month. The total average cost for a group health insurance plan in Arizona is $6,229. Average premiums for individual insurance plans in Arizona in 2019 range from $359–$592 per month. There are options to find affordable health insurance in Arizona. Your monthly premium is primarily based on 3 things:
You can’t change your age and probably can’t change your location, but you can stop smoking. Cutting out tobacco use can help you save money on health insurance. Other ways to lower your insurance premiums include:
Types of Health CoverageBefore you look into your coverage options, it’s important to know the common terms you’ll see when shopping for health insurance.
Most health insurance plans fall into 2 types of coverage:
HMO plans tend to be less expensive than PPO plans. However, you usually have to live within a certain service area to qualify for HMO plans. HMO plans also don’t offer the flexibility of PPO plans. What Does Health Insurance Cover?Under the Affordable Care Act, health insurance companies have to cover certain services and treatments. There are 10 benefits that all health insurance plans must offer, known as the 10 essential benefits.
What Does Health Insurance Not Cover?Each health insurance plan has to offer coverage for the 10 essential benefits, there are certain services and treatments not usually covered. Most treatments your health insurance won’t cover are considered non-medically necessary or too experimental in nature. Some examples of services most health insurance plans in Arizona don’t cover include:
Find Affordable Arizona Health InsuranceFind cheap health insurance in Arizona by looking at plans from our top choices for affordable insurance companies. Compare several quotes and get covered by health insurance today. Should health insurance cover elective procedures? No, health insurance generally does not cover elective procedures. In rare cases, they may be covered for reconstructive purposes. When do you renew your health insurance? You will renew your health insurance every year during the open enrollment period in the fall. |