Arizona · 2027 Open Enrollment
Arizona ACA health insurance for 2027
Open Enrollment for 2027 Arizona Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Arizona and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Arizona for 2027
Arizona has the largest proposed average increase in the country for 2027 (about 29% before subsidies), and Cigna is leaving the Arizona Marketplace at the end of 2026.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Arizona
Arizona residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Arizona ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Arizona Marketplace insurers
- Blue Cross Blue Shield of Arizona
- Imperial Insurance
- Arizona Complete Health (Health Net)
- Oscar Health
- UnitedHealthcare
- Antidote Health Plan
Not every insurer sells plans in every county. Source: healthinsurance.org Arizona Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Arizona
Arizona expanded Medicaid (AHCCCS), so adults with income up to 138% of the poverty level may qualify for AHCCCS instead of a Marketplace plan. If your household may qualify for AHCCCS and KidsCare, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Arizona
We enroll individuals, families, self-employed workers and early retirees across Arizona, including Phoenix, Tucson, Mesa, Chandler, Scottsdale and Flagstaff, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Arizona?
Open Enrollment for 2027 coverage in Arizona runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Arizona for 2027?
Insurers' proposed 2027 rates in Arizona average about 29% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Arizona for 2027?
Insurers offering Arizona Marketplace coverage for 2027 include Blue Cross Blue Shield of Arizona, Imperial Insurance, Arizona Complete Health (Health Net), Oscar Health, UnitedHealthcare, Antidote Health Plan. Availability varies by county.
Did Arizona expand Medicaid?
Arizona expanded Medicaid (AHCCCS), so adults with income up to 138% of the poverty level may qualify for AHCCCS instead of a Marketplace plan.
Can a licensed agent help me enroll in Arizona by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Arizona and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.