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Arizona · 2026 plan year

Bronze health insurance plans in Arizona (2026)

There are 65 Bronze plans on the Arizona Marketplace from 7 insurers, and they are not interchangeable — premiums run from $294 to $737 a month for the same metal tier. Here is what separates them.

65
Bronze plans
7
Insurers
15
Counties covered
$294
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

The priciest Bronze plan in Arizona costs 2.5× the cheapest.

Bronze plans here run from $294 to $737 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 65 plans is right for you.

Every Arizona Bronze plan is HSA-eligible.

All 65 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Arizona in 2026

Across all 65 Bronze plans in Arizona, monthly premiums run from $294 to $737, averaging $462. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Arizona enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Arizona

Bronze deductibles in Arizona run from $4,000 to $10,600, with a median of $7,500 across the 62 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,945 because the spread is not symmetric. The other 3 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Arizona

Individual out-of-pocket maximums on Arizona Bronze plans run from $7,100 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Arizona

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Imperial Standard BronzeImperial Insurance Companies, Inc.$294$7,500$10,000
Bronze SimpleOscar Health Plan, Inc.$303$9,000$10,600
Bronze Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core RxAntidote Health Plan of Arizona, Inc.$313$8,700$10,600
Connect Bronze SoAZ CMS StandardCigna HealthCare of Arizona, Inc$317$7,500$10,000
Connect Bronze SoAZ 6300 Indiv Med DeductibleCigna HealthCare of Arizona, Inc$317$6,300$10,150

Showing 5 of 65. See all Arizona Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Blue Cross Blue Shield of Arizona36$338$551$7,100–$10,150
Ambetter from Arizona Complete Health6$367$383$7,250–$8,450
Cigna HealthCare of Arizona, Inc6$317$355$4,000–$9,500
Oscar Health Plan, Inc.6$303$323$5,500–$9,000
Antidote Health Plan of Arizona, Inc.5$313$335$7,500–$8,700
UnitedHealthcare5$341$369$7,500–$10,600
Imperial Insurance Companies, Inc.1$294$294$7,500
Other tiers in Arizona

How Bronze compares to the rest

Bronze
Avg $462 · from $294
65 plans · you are here
Silver
Avg $557 · from $343
72 plans
Gold
Avg $690 · from $404
61 plans

All ArizonaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Florida
Avg $449
125 Bronze plans
Delaware
Avg $463
13 Bronze plans
Mississippi
Avg $476
18 Bronze plans
Common questions

Arizona Bronze plans, answered

What are the copays on Arizona Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 65 Bronze plans in Arizona, out-of-pocket maximums run $7,100 to $10,600, and deductibles on the 62 plans with one combined deductible run $4,000 to $10,600. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Arizona?
Any Arizona Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Arizona Bronze plans?
Bronze deductibles in Arizona run from $4,000 to $10,600 across the 62 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,100 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Arizona county?
Bronze plans are sold in 15 Arizona counties, from 7 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Arizona?
Arizona uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Arizona start at $294 a month before any subsidy.

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