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Arizona · 2026 plan year

Gold health insurance plans in Arizona

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
$2,418
Average 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 deductibles run 46% above the national median.

The average Gold deductible here is $2,418, against a $1,660 median across the 30 states in this tier. A lower premium in this state is more likely to be buying you a higher deductible than it would elsewhere.

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.

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 average
Blue Cross Blue Shield of Arizona36$521$820
Ambetter from Arizona Complete Health6$488$522
Antidote Health Plan of Arizona, Inc.5$495$526
Cigna HealthCare of Arizona, Inc4$463$527
Oscar Health Plan, Inc.4$423$427
UnitedHealthcare4$523$535
Imperial Insurance Companies, Inc.2$404$407
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 a Arizona Gold plan?
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. Across the 61 Gold plans in Arizona, deductibles average $2,418 and the out-of-pocket maximum averages $7,503. 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 — averaging $2,418 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 a Arizona Gold plan?
The average across all 61 Gold plans in Arizona is $2,418, with an average out-of-pocket maximum of $7,503. The range within the 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 Arizona Marketplace plan?
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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