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Best Health Insurance Plans in Arizona 2025

Ambetter and Oscar Health Plan get top marks and offer affordable health insurance in Arizona.
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May 28, 2025
Fact Checked
Profile photo of Kate Ashford, CSA®
Lead Writer & Spokesperson
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
Profile photo of Kate Ashford, CSA®
Lead Writer & Spokesperson
Profile photo of Holly Carey
Edited by Holly Carey
Managing Editor
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About one in eight people in Arizona ages 19 to 64 buy their own health insurance on the marketplace or directly from an insurance company. NerdWallet crunched the numbers on 177 health insurance plans to find the best and most affordable in Arizona.

We built our own data-driven marketplace health insurance rating system based on costs, claims denial rates, medical management programs, dental care, complaints, government quality data and more. We scored plans covering more than 95% of all marketplace health insurance enrollees in Arizona.

Here are the best health insurance companies in Arizona

Compare the best health insurance plans in Arizona

Ambetter from Arizona Complete Health logoAmbetter from Arizona Complete Health
Plan types offered
HMO
Claims denial rate
13.3% (Far fewer than average)
Avg. Silver premium
$394.22

(844) 612-6210

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Company name
NerdWallet rating
Plan types
Claims denial rate
Avg. Silver premium
Learn more
BEST OVERALL
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Ambetter from Arizona Complete Health logoAmbetter from Arizona Complete Health
5.0/5
HMO13.3% (Far fewer than average)$394.22
MOST AFFORDABLE
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Oscar Health Plan (Arizona) logoOscar Health Plan (Arizona)
5.0/5
HMO18.5% (Average)$349.05
BEST FOR OUT-OF-POCKET COSTS
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Banner|Aetna (Arizona) logoBanner|Aetna (Arizona)
4.5/5
HMO21.6% (More than average)$472.40

How we choose the best health insurance companies

Kate Ashford

👋 I’m Kate Ashford, a lead writer and content strategist covering health insurance. I did the research for this page to identify the best health insurance options in the state. I gathered and analyzed data across four major categories:

  • Plans with lower costs, such as premiums, deductibles, copays, coinsurance and out-of-pocket maximums, score the best.

    We evaluate plans’ costs using marketplace health plan datasets. These enormous spreadsheets include as many as 149 discrete data points for over 100,000 plan offerings in 31 states that use the federal marketplace (other states use their own separate marketplaces).

    It’s not feasible to evaluate every kind of cost in every scenario, so we use these as a sample:

    Premiums

    Premiums have the highest weight in our scoring. We compare each plan’s unsubsidized premium for a 30-year-old individual as a level playing field for comparison. We score plans based on how cheap they are compared to other plans of the same type and metal — Silver HMOs vs. other Silver HMOs, for example.

    Deductibles

    The amount you need to pay out of pocket before your plan starts to pay for its share of covered benefits. The lower the deductible, the better.

    Out-of-pocket costs

    We analyze each plan’s copays, coinsurance and deductibles for primary care visits, specialist appointments, emergency care and several tiers of prescription drugs.

  • Plans score higher if they made covered medical care and prescription drugs more easily accessible.

    We evaluate plans’ coverage using the same marketplace health plan datasets that we use to analyze costs along with additional data from government-provided “public use files.”

    All marketplace plans have to cover the same essential health benefits, but some plans’ coverage is more usable than others. We score them on how coverage works.

    Pre-deductible benefits

    We give a strong scoring preference to plans that cover certain benefits before (and also after) you’ve met the deductible. Plans get lower scores when they don’t start to cover things like doctor’s office visits or prescription drugs until you’ve paid the full deductible.

    Dental coverage

    Plans that cover adult dental care also get more points for coverage than plans that don’t. (Unlike children’s dental care, adult dental care isn’t considered an essential health benefit, so plans may or may not cover it.)

  • Plans score well when they have fewer denials, lower complaint rates and stronger customer satisfaction surveys.

    We use three different data sources to evaluate customer experience:

    Customer complaints

    We collect and analyze customer complaint data from the National Association of Insurance Commissioners. For each company, we calculate a multi-year average complaint rate.

    NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Denials

    Based on claims data from the Centers for Medicare & Medicaid Services, we rank companies based on how often they deny in-network claims. The fewer denials, the better.

    Satisfaction scores

    We rate plans based on how well or poorly they score on government surveys evaluating customer satisfaction.

  • Companies earn points based on their medical management programs and rankings on government ratings of medical quality.

    We use two sources to score plans’ quality of care:

    Government ratings

    Marketplace plans get star ratings from the government based on how well they manage members’ health care, monitor conditions and provide certain medical services. We rank plans based on how highly they score on these ratings.

    Medical management programs

    Some plans offer medical management programs to help members with certain conditions, such as asthma, diabetes, depression, pregnancy and pain management. Plans score points based on how many of these programs they offer.

Best overall: Ambetter from Arizona Complete Health

Why we picked it: Ambetter from Arizona Complete Health has the highest rating of the health insurance companies we reviewed in Arizona. It received top marks for having the lowest claims denial rate of the companies analyzed, a lower-than-average complaint rate and good government ratings. The company also sells competitively priced plans, on average, and many plans offer dental.

Health insurance claims denials are a headache for many people: Insurance companies selling plans on HealthCare.gov denied 19% of in-network claims in 2023, according to the most recent data from KFF, a health policy nonprofit. Ambetter’s denial rate is well below this number.

BEST OVERALL
Ambetter from Arizona Complete Health logoAmbetter from Arizona Complete Health
Ambetter from Arizona Complete Health has the lowest claims denial rate of the companies analyzed, and it offers some of the cheaper Silver and Expanded Bronze plans, on average. It gets fewer complaints than average and good government ratings.
Plan types offered
HMO
Claims denial rate
13.3% (Far fewer than average)
Avg. Silver premium
$394.22

(844) 612-6210

Call a consumer advocate at HealthSherpa
Call a consumer advocate at HealthSherpa

Mon–Fri: 6am–4pm PT

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Pros

  • Lowest claims denial rate.
  • Competitively priced Silver and Expanded Bronze plans.
  • Lower-than-average complaint rate.
  • Good government ratings.

Cons

  • Higher average Silver deductible.

Most affordable: Oscar Health Plan

Why we picked it: NerdWallet’s second-highest rated company in Arizona, Oscar Health Plan, has the lowest Silver and Expanded Bronze plan rates, on average, and low prices for generic drugs.

Silver plans are often the most affordable because they’re potentially eligible for more subsidies than any other plan type. If you’re not eligible for premium subsidies, you may want to shop for plans other than Silver level (like Expanded Bronze) to find the lowest premiums overall.

MOST AFFORDABLE
Oscar Health Plan (Arizona) logoOscar Health Plan (Arizona)
Oscar Health Plan has the lowest-priced Silver and Expanded Bronze plans, on average, of the companies we reviewed. It also has the lowest complaint rate of the companies analyzed and good government ratings.
Plan types offered
HMO
Claims denial rate
18.5% (Average)
Avg. Silver premium
$349.05

(844) 612-6210

Call a consumer advocate at HealthSherpa
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Pros

  • Cheapest Silver and Expanded Bronze plans, on average.
  • Lowest complaint rate.
  • Good government ratings.
  • Low generic drug pricing.

Cons

  • Claims denial rate is just average.
🤓Nerdy Tip

Bronze plans cover about 60% of the cost of care, which means you’re responsible for about 40% out of pocket. Expanded Bronze plans have the same coverage as regular Bronze plans, broadly speaking, but they either pay for at least one major non-preventive service before you meet the plan’s deductible or function as a high-deductible health plan.

Best for out-of-pocket costs: Banner|Aetna

Why we picked it: Banner|Aetna offers plans with lower fees for seeing your primary care physician or specialists, and generic drug costs are also among the lowest. The company also has a lower Silver plan deductible, on average.

When you’re weighing the best plan for your needs, make sure you consider all costs, including monthly premiums, deductibles, out-of-pocket charges and the out-of-pocket maximum, which is the most you’d have to spend in a year.

BEST FOR OUT-OF-POCKET COSTS
Banner|Aetna (Arizona) logoBanner|Aetna (Arizona)
Banner|Aetna’s average out-of-pocket costs for provider care are lower than competitors, and generic drug costs are among the lowest. But the company has a higher in-network claims denial rate than average and the highest complaint rate of the companies we analyzed.
Plan types offered
HMO
Claims denial rate
21.6% (More than average)
Avg. Silver premium
$472.4

(844) 612-6210

Call a consumer advocate at HealthSherpa
Call a consumer advocate at HealthSherpa

Mon–Fri: 6am–4pm PT

partnered with HealthSherpa

Pros

  • Lower costs for seeing your PCP or specialists, on average.
  • Low generic drug costs.
  • Lower Silver plan deductible, on average.

Cons

  • High in-network claims denial rate.
  • Highest complaint rate.
    • Ambetter from Arizona Complete Health.

    • Antidote Health Plan of Arizona.

    • Banner|Aetna.

    • Blue Cross Blue Shield of Arizona.

    • Cigna.

    • Imperial Insurance Companies.

    • Oscar Health Plan.

    • UnitedHealthcare.

How to pick a marketplace health insurance plan

There can be a lot of moving parts when shopping for health insurance coverage. Here are a few questions to help you think through your needs and options:

  • How much are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?

  • Are you eligible for subsidies? Whether applying yourself or with an agent/broker, be sure to enter accurate information to check whether you’re eligible for subsidies through the marketplace.

  • Is your doctor in-network? If you have a preferred doctor (or doctors) or hospital, make sure they participate in the plan’s network.

  • Are your prescriptions covered? If you’re on medication, understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?

  • Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?

If you have questions or need help navigating the marketplace, you can get help from a trained assister or an agent/broker at HealthCare.gov.

Off-marketplace health insurance in Arizona

Some marketplace plans have matching policies that can be bought outside of the marketplace. You can choose to buy an off-marketplace plan rather than a marketplace plan during open enrollment (Nov. 1 through Jan. 15), but subsidies aren’t available if you do so.

You might be able to find other kinds of health insurance plans sold outside of the marketplace (and outside of open enrollment), such as limited, short-term or alternative health plans. These plans might not have the same coverage and/or consumer protections as plans sold on the marketplace.

It’s a good idea to check whether an off-marketplace plan offers “minimum essential coverage.” If not, the plan might be allowed to do things that most health plans can’t, such as deny coverage due to health status, limit coverage of pre-existing conditions and/or not cover essential health benefits.

Best Medicare plans in Arizona

Medicare is available for people age 65 and older and people living with certain medical conditions. There are many kinds of Medicare coverage, and the best choice for you can depend on your health, finances and preferences. Check out NerdWallet’s reviews of the best Medicare plans:

Health insurance resources in Arizona

NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

Marketplace health insurance ratings methodology

NerdWallet evaluates marketplace health insurance plans based on marketplace data about plans’ premiums, out-of-pocket costs and benefits, prescription drug coverage, dental coverage, government quality rating data, complaint data, records about how plans approve and deny claims and more.

We evaluate individual plans and then aggregate scores to the company level. When a plan is missing data for a certain metric, we exclude it from calculations. For example, the federal government calculates official star ratings for marketplace health insurance plans, but many plans are unrated, and others have incomplete ratings. NerdWallet’s analysis incorporates government quality ratings when they’re available, but doesn’t penalize plans that are unrated.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for more information.

Insurer complaints methodology

We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry.

To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.