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Arizona · 2026 plan year

Silver health insurance plans in Arizona (2026)

There are 72 Silver plans on the Arizona Marketplace from 7 insurers, and they are not interchangeable — premiums run from $343 to $839 a month for the same metal tier. Here is what separates them.

72
Silver plans
7
Insurers
15
Counties covered
$343
Cheapest premium
$6,000
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 Silver plan in Arizona costs 2.5× the cheapest.

Silver plans here run from $343 to $839 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 72 plans is right for you.

Arizona Silver premiums rank 21st cheapest of 35.

Averaged across all 72 plans, Silver coverage in Arizona costs $557 a month before subsidies — 21st 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 Silver plan costs in Arizona in 2026

Across all 72 Silver plans in Arizona, monthly premiums run from $343 to $839, averaging $557. 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

Silver plan deductibles in Arizona

Silver deductibles in Arizona run from $4,000 to $7,500, with a median of $6,000 across the 57 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 $6,241 because the spread is not symmetric. The other 15 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

Silver out-of-pocket maximums in Arizona

Individual out-of-pocket maximums on Arizona Silver plans run from $7,200 to $10,600, with a median of $8,900. 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 Silver plans in Arizona

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Imperial Standard SilverImperial Insurance Companies, Inc.$343$6,000$8,900
Imperial Preferred SilverImperial Insurance Companies, Inc.$351$7,500$9,500
Silver Simple PCP SaverOscar Health Plan, Inc.$384$5,750$9,400
Silver Classic StandardOscar Health Plan, Inc.$384$6,000$8,900
Silver Complete 4 $0 Tier-1 PCP Visits, $0 Antidote 24/7 Virtual PCP/Urg/Chronic Care, $0 Core RxAntidote Health Plan of Arizona, Inc.$390$7,500$10,600

Showing 5 of 72. See all Arizona Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Blue Cross Blue Shield of Arizona43$392$643$6,000–$7,200
Oscar Health Plan, Inc.7$384$394$5,750–$6,500
Cigna HealthCare of Arizona, Inc6$406$461$4,000–$6,200
Antidote Health Plan of Arizona, Inc.5$390$419$6,000–$7,500
UnitedHealthcare5$447$458$4,500–$6,000
Ambetter from Arizona Complete Health4$446$454$5,950–$6,000
Imperial Insurance Companies, Inc.2$343$347$6,000–$7,500
Other tiers in Arizona

How Silver compares to the rest

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

All ArizonaMarketplace plans →

Nearby on price

States with similar Silver premiums

Mississippi
Avg $543
16 Silver plans
Kansas
Avg $558
19 Silver plans
Florida
Avg $568
161 Silver plans
Common questions

Arizona Silver plans, answered

What are the copays on Arizona Silver 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 72 Silver plans in Arizona, out-of-pocket maximums run $7,200 to $10,600, and deductibles on the 57 plans with one combined deductible run $4,000 to $7,500. The other 15 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 Silver plan in Arizona?
Anyone eligible to buy Marketplace coverage in Arizona can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($557 a month on average) is higher than Gold in some states.
What is the deductible on Arizona Silver plans?
Silver deductibles in Arizona run from $4,000 to $7,500 across the 57 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 15 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,200 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 Silver plans available in my Arizona county?
Silver 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 Silver premiums in Arizona start at $343 a month before any subsidy.

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