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Licensed in Arizona

Arizona health insurance for 2027

Arizona insurers have asked for 2027 increases from 3.26% to 33.90%, depending on the insurer. Those are requests, not final rates. If you qualify for a tax credit, it rises with the price of the benchmark Silver plan where you live.

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Reviewed by Ollie Gougaud, licensed insurance broker, on October 15, 2026

On this page

Arizona's 2027 rate requests

Each insurer files its own increase, and Arizona's range is wide. The insurer you're with matters as much as the average.

Requests from 3.26% to 33.90%

These are the average increases insurers asked for, before any tax credit. We'll update this page when final rates are published.

A tax credit can absorb part of it

The credit is tied to the second-lowest-cost Silver plan where you live. When that plan's price goes up, so does the credit, which softens an increase if you qualify.

Shop again this year

With increases this uneven, the plan that was cheapest for 2026 may not be for 2027. We compare the plans sold in your county before you renew.

If your insurer is leaving Arizona's individual market

An insurer that pulls out of Arizona's marketplace doesn't renew its plans for 2027, so its members choose again.

What to do

Pick a 2027 medical plan from another insurer on HealthCare.gov. Choosing by December 15 means the new plan can start January 1.

If you don't pick one

HealthCare.gov may enroll you in a comparable plan from another insurer. Look it over before January, especially the doctors and prescriptions it covers.

AHCCCS changes in 2027

Arizona expanded Medicaid, called AHCCCS, on January 1, 2014. From January 1, 2027, some adults have new rules.

Work and community engagement

Some AHCCCS adults 19 to 64 will need to earn $580 a month or spend 80 hours a month working, in school, in training or volunteering, unless they're exempt.

Renewals every six months

Most of these adults will renew every 6 months instead of every year. Members who renew in 2026 stay on a 12-month cycle until their 2027 renewal.

Arizona's trigger law

State law ends coverage for expansion adults with income above 100% and up to 133% of the poverty level if the federal share of their cost drops below 80%, or if the state's funding for them falls short.

For Arizona employers

Arizona businesses can reimburse employees tax-free for individual plans through an ICHRA, which CMS now also calls a CHOICE arrangement.

Read about ICHRA for small businesses

Our license in Arizona

Anyone who sells insurance or advises on it in Arizona needs a license there. You can check ours before you talk to us.

License number

Ollie Gougaud holds Arizona license 21483271. Check it with the Arizona DIFI license search (opens in a new tab). Arizona uses the National Producer Number as its license number.

If you have a problem

The Arizona Department of Insurance and Financial Institutions (opens in a new tab) takes complaints about any insurance company or agent licensed in Arizona, including us.

Questions from Arizonans

How much are Arizona health insurance premiums going up for 2027?

Insurers requested average increases from 3.26% to 33.90%, depending on the insurer. These are requests, not final rates, and a tax credit can offset part of an increase if you qualify.

My insurer is leaving Arizona's marketplace. What now?

Choose another plan during open enrollment. Pick it by December 15 and it starts January 1, and we can compare the plans in your county with you.

When do AHCCCS work requirements start?

January 1, 2027, for some adults 19 to 64 who aren't exempt.

Sources

The dates, prices, insurers and rules on this page come from the sources below, each checked on the date shown. Open enrollment dates can still change while a court case about the rule that would have shortened them is on appeal; if they do, we'll update this page. Summaries of laws and rules here are not legal or tax advice.

Talk to a licensed broker

Send a message and we'll get back to you, usually within one business day.

Phone: (702) 213-7375Email: info@wellcoveredsolutions.com

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