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Arizona · 2026 plan year

Gold health insurance plans in Arizona (2026)

There are 61 Gold plans on the Arizona Marketplace from 7 insurers, and they are not interchangeable — premiums run from $404 to $1,027 a month for the same metal tier. Here is what separates them.

61
Gold plans
7
Insurers
15
Counties covered
$404
Cheapest premium
$2,000
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 Gold plan in Arizona costs 2.5× the cheapest.

Gold plans here run from $404 to $1,027 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 61 plans is right for you.

Arizona Gold premiums rank 30th cheapest of 35.

Averaged across all 61 plans, Gold coverage in Arizona costs $690 a month before subsidies — 30th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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 Gold plan costs in Arizona in 2026

Across all 61 Gold plans in Arizona, monthly premiums run from $404 to $1,027, averaging $690. 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

Gold plan deductibles in Arizona

Gold deductibles in Arizona run from $0 to $4,800, with a median of $2,000 across the 48 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 $2,704 because the spread is not symmetric. Some Arizona Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. The other 13 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

Gold out-of-pocket maximums in Arizona

Individual out-of-pocket maximums on Arizona Gold plans run from $4,800 to $9,950, with a median of $8,000. 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 Gold plans in Arizona

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Imperial Standard GoldImperial Insurance Companies, Inc.$404$2,000$8,200
Imperial Preferred GoldImperial Insurance Companies, Inc.$409$1,000$8,000
Gold SimpleOscar Health Plan, Inc.$423$3,300$9,950
Gold Classic StandardOscar Health Plan, Inc.$426$2,000$8,200
Gold Simple DiabetesOscar Health Plan, Inc.$428$2,000$9,800

Showing 5 of 61. See all Arizona Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier averageDeductible range
Blue Cross Blue Shield of Arizona36$521$820$2,000–$4,800
Ambetter from Arizona Complete Health6$488$522$0–$2,000
Antidote Health Plan of Arizona, Inc.5$495$526$2,000–$3,000
Cigna HealthCare of Arizona, Inc4$463$527$2,000–$2,500
Oscar Health Plan, Inc.4$423$427$2,000–$3,500
UnitedHealthcare4$523$535$1,250–$2,000
Imperial Insurance Companies, Inc.2$404$407$1,000–$2,000
Other tiers in Arizona

How Gold compares to the rest

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

All ArizonaMarketplace plans →

Nearby on price

States with similar Gold premiums

Nebraska
Avg $688
50 Gold plans
West Virginia
Avg $694
13 Gold plans
Mississippi
Avg $703
14 Gold plans
Common questions

Arizona Gold plans, answered

What are the copays on Arizona Gold 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 61 Gold plans in Arizona, out-of-pocket maximums run $4,800 to $9,950, and deductibles on the 48 plans with one combined deductible run $0 to $4,800. The other 13 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 Gold plan in Arizona?
Any Arizona Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — a median of $2,000 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on Arizona Gold plans?
Gold deductibles in Arizona run from $0 to $4,800 across the 48 plans with one combined deductible, with a median of $2,000 — that median is the figure closest to a typical plan. The other 13 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $4,800 to $9,950. 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 Gold plans available in my Arizona county?
Gold 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 Gold premiums in Arizona start at $404 a month before any subsidy.

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