Best Health Insurance Companies In Arizona

Eating healthily and exercising can help you avoid breakdowns. However, genetics often play a role in getting sick, so having health insurance coverage can help you avoid unwanted medical costs.

According to HealthCareInsider, many Arizona residents qualify for financial assistance to get private medical insurance under Obamacare. You could even get free or low-cost health insurance in Arizona through public programs like Medicaid.

Hence, while you can get quality healthcare from these programs, it’s always great to have an alternative as the government regulates these programs, and they can scrape them anytime. Looking at Arizona’s top health insurance companies can give you some insight. 

The Importance of Health Coverage

Health insurance is essential, mainly because it is out of reach for many individuals. Medical insurance might mean the difference between receiving appropriate care and being denied at the hospital.

Besides the benefits of having several of your medical bills covered when you visit the hospital, there are other advantages to having health insurance. It can primarily aid in reducing tension and worry in your life.

It is unhealthy to be concerned about not having health insurance.

You may rest easy knowing that if you have coverage, you’ll be less likely to join the 137 million Americans who are struggling with medical debt.

Can you Get Health Insurance in Florida Without a Job?

Because of the continuous growth of COVID-19 and subsequent social distancing orders that closed firms, millions of workers across the country have lost their employment as the industry has crashed.

Hundreds of thousands of people have flocked to Arizona’s unemployment site to apply for benefits.

In a country where health insurance is predominantly related to employment, the high unemployment rate means many people have lost health coverage during such a crisis.

Affordable Care Act coverage

People losing their employment-provided health insurance can enroll in Affordable Care Act marketplace plans since losing health insurance from an employer qualifies as a qualifying event that provides an enrollment period outside the usual registration period.

In a March 25 letter to Health and Human Services Secretary Alex Azar, Arizona Governor Doug Ducey requested that the federal government set up a specific registration period on the federal marketplace.

The Trump administration denied the request to reopen the enrollment period for ACA insurance. States administer their exchanges, which have reopened enrollment in some areas, albeit not in Arizona.

Even so, leaving your employer’s insurance because you lost your job counts as a qualifying event. 


After you’ve been laid off, the Consolidated Omnibus Budget Reconciliation Act, or COBRA, permits you to keep your employer-provided health insurance.

It’s not always cheap, but it allows you to keep your current insurance, which may be advantageous to you. When you are employed, your employer is likely to cover some or all of your health insurance costs, but under COBRA, you are liable for the entire cost of coverage.

Businesses with more than 20 employees are subject to the law. When you were let go, you had to be on the insurance plan, and the insurance program had to exist for the firm’s existing employees.

If you lose your employment, you have 60 days to determine whether or not you want to be covered by COBRA. If you are eligible to choose this option, your insurance company should contact you.

If you lost your job, you don’t need to sit and sob. You need to take action. Read this article: I Just Lost my Job! 10 Quick Things You Must Do Now

You may be eligible for coverage for up to 18 months or 36 months, dependent on your status. The Department of Labor has compiled a list of frequently asked questions about COBRA.


If you lose your job, you may be eligible for coverage through the Arizona Health Care Cost Containment System, which manages Arizona’s Medicaid and KidsCare initiatives.

Whether you’ve lost your job and insurance, you can apply for coverage on the program’s website to check if you are eligible.

AHCCCS eligibility is determined by several factors, including your income, household size, if you have children or are pregnant, immigration status, and whether you are a caretaker.

According to the company’s website, benefits from the government stimulus package, such as the one-time check and increased unemployment benefits, will not alter AHCCCS eligibility.

Furthermore, according to the AHCCCS website, patients will not be removed from the rolls during the COVID-19 outbreak unless they have died, moved out of state, or voluntarily resigned. A person on AHCCCS would be reinstated if they lost their eligibility.

AHCCCS has also halted premium payments and co-pays during COVID-19. Premiums paid in March will be credited.

Best Health Insurance Companies In Arizona

1. Blue Cross Blue Shield of Arizona

Blue Cross Blue Shield of Arizona (BCBSAZ) is dedicated to assisting Arizonans in becoming and staying healthier. BCBSAZ serves more than 1.5 million clients with health insurance and related services, connecting people with the care they need.

BCBSAZ, a non-profit organization, is a Blue Cross Blue Shield Association independent licensee. In Phoenix, Chandler, Flagstaff, and Tucson, the corporation employs over 1,800 employees. BCBSAZ, as a committed member of the community, volunteers and contributes to more than 200 organizations across the state, all to promote better health. Hence, it is one of the best health insurance companies in Arizona.

2. Cigna HealthCare of Arizona

Cigna is a global health services corporation committed to enhancing people’s health, well-being, and peace of mind. They can leverage actionable insights that address whole-person health and promote improved health outcomes—more than 180 million customer contacts in more than 30 nations and jurisdictions.

Their global staff of over 70,000 workers is committed to achieving their goal and serving Their customers and communities as champions. This is known as the “Power of We.” They can offer individualized solutions and enhance whole-person health by collaborating closely with Their colleagues, customers, providers, clients, and communities.

Every day, their mission is to provide the right services and solutions, in the right place, at the right moment, to fulfill Theircustomers’ and patients’ various health requirements in a highly targeted fashion.

3. UnitedHealthcare of Arizona

UnitedHealthcare is committed to assisting people in living healthier lifestyles and improving the health system as a whole. Millions of people rely on them from their youngest years through their working lives and retirement.

Their dedication to solving critical issues that affect people’s health is called Empowering Health. They accomplish this by expanding healthcare access and tackling social determinants of health such as housing, food, and transportation. We are making a difference, one person at a time, via charitable and corporate investments, innovation, and volunteers.

4. Aetna Health

Aetna is a brand for products and services provided by the Aetna group of enterprises, including Aetna Life Insurance Company and its affiliates (Aetna).

The Aetna Foundation, in cooperation with U.S. News & World Report, has released the first Healthiest Towns rankings and platform, which evaluate almost 3,000 communities throughout the country in ten areas.

On November 28, 2018, CVS Health purchased Aetna, forming a merged company dedicated to creating a community-based, open health care model. This model would help consumers enhance their health and make their health care experience more manageable.

5. Humana

All that we do revolves around health. They are honored to be at the forefront of healthcare advancements and community wellness.

They strive to enhance healthcare and make it more accessible at Humana. To provide the most satisfactory service to the communities they serve, they set high expectations for themselves and their suppliers.

Humana is committed to ensuring that every business choice reflects their dedication to enhancing the health and well-being of their members, associates, the communities they serve, and the environment. Suppliers are seen as an extension of Humana. To that aim, they hold their suppliers, vendors, contractors, consultants, agents, and other products and services providers who deal with Humana entities worldwide to these standards.


TRICARE is a worldwide healthcare program for uniformed military personnel, retirees, and families.

TRICARE offers all recipients full coverage. The majority of TRICARE health plans meet the Affordable Care Act’s requirements for minimum essential coverage.

The Defense Health Agency, led by the Assistant Secretary of Defense, is in charge of TRICARE (Health Affairs).

They refuse to oppose the Department of Defense and the nation’s security by providing health care to all those entrusted to their care.

Assist the military mission through developing, protecting, sustaining, and restoring health.

7. Health Choice Arizona

Health Option Arizona is a state-run health plan that provides coverage to Arizona residents eligible for the Arizona Health Care Cost Containment System (AHCCCS) or KidsCare. KidsCare is for children under the age of 19 who are uninsured and have a household income that exceeds the AHCCCS income limits.

Regional Behavioral Health Authority (RBHA) and AHCCCS Complete Care are two of Health Choice Arizona’s AHCCCS contracts. Health Choice Arizona is an alternative for residents of Apache, Coconino, Gila, Maricopa, Mohave, Navajo, Pinal, and Yavapai counties under these contracts.

Through their Health Choice Pathway Dual Special Needs Plan, Health Choice Arizona also partners with Medicare to include a Medicare Advantage plan for persons enrolled in Medicare and AHCCCS.

8. Arizona Complete Health

Arizona Complete Health has a long history of providing Medicare Advantage, Marketplace, and AHCCCS services to Arizonans across the state.

At Arizona Complete Health, their mission is to transform the community’s health one person at a time.

They think that happier people make for happier families and societies. Please focus on the person. Devotion to whole health and active local involvement are fundamental beliefs that help us keep track.

9.  Oscar Health Plan, Inc.

Oscar is the first health insurance company established on a full-stack technological platform with a laser-like focus on its customers. They founded Oscar in 2012 to create the type of health insurance company they would want for themselves—one that acts as a family doctor.

They believe that every American deserves affordable, high-quality health care that fits their lifestyle – whether it’s for families looking for coverage that works for toddlers and their busy parents, adults with chronic illnesses who know their doctors by first names, seniors looking for benefits package that will serve them all across their retirement period, or everyone in between.

They have established a portfolio of services that enable us to win their members’ confidence, use the power of individualized data, and assist their members in discovering exceptional care at an affordable price, all powered by their own differentiated full-stack technology platform. The almost 1M+ members who have selected Oscar have rewarded them with industry-leading levels of trust, engagement, and customer happiness.

Their objective will stay the same as they continue delivering the Oscar experience to new members, states, and markets: building engagement, establishing trust and assisting their members in living healthier lives.


What are the top health insurance companies?

By membership, UnitedHealth Group, Anthem, Aetna, Cigna, and Humana are the top five health insurance companies.

What do health insurance companies cover?

One in every five Arizona adults aged 19 to 64 receives Medicaid benefits. Medicaid covers two out of every five children. The Arizona Health Care Cost Containment System is the state’s Medicaid program (AHCCCS). AHCCCS may be able to provide you with free or low-cost coverage based on your income.


Arizona is one of the great states of the U.S, boasting a considerable population that loves its hot and dry weather. However, when you fall sick, great weather won’t save you from medical bills.

Learning about Arizona’s best health insurance companies allows you to choose a plan that saves you medical bills.



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