Updated November 2026 for the 2027 plan year. This page lists the health insurance companies selling coverage in Arizona: the insurers on the ACA Marketplace, the companies with the largest share of the commercial market, the Medicaid managed care plans and the leading Medicare Advantage carriers. UnitedHealth Group is the largest commercial health insurer in Arizona, with 30% of the market, according to the American Medical Association (AMA).
For coverage you buy yourself, Arizona residents use HealthCare.gov. For 2027, 6 insurers are expected to offer Marketplace plans there, based on federal and state filings.
Arizona Health Insurance at a Glance
| Measure | Arizona | Source |
|---|---|---|
| Largest commercial insurer (share of market) | UnitedHealth Group (30%) | AMA, 2024 data |
| Second-largest commercial insurer | Blue Cross Blue Shield of Arizona (26%) | AMA, 2024 data |
| ACA Marketplace | HealthCare.gov | |
| Marketplace plan selections, 2026 | 357,144 (-15.6% from 2025) | CMS |
| Average monthly Marketplace premium after tax credits | $229 in 2026 ($113 in 2025) | CMS |
| Medicaid enrollees, 2024 | 2,181,548 | CMS |
| Share of Medicaid enrollees in comprehensive managed care | 78.7% | CMS, 2024 |
| Medicare Advantage plans, 2027 | 148 (133 in 2026) | CMS |
| Largest Medicare Advantage carrier | UnitedHealth Group (48%) | AMA, 2024 data |
Largest Health Insurance Companies in Arizona
The AMA’s annual Competition in Health Insurance report measures each insurer’s share of enrollment in the commercial market, which includes employer plans and individual coverage, and in Medicare Advantage. The latest edition uses enrollment as of January 1, 2024.
| Market | Largest insurer | Share | Second-largest insurer | Share |
|---|---|---|---|---|
| Commercial (employer and individual) | UnitedHealth Group | 30% | Blue Cross Blue Shield of Arizona | 26% |
| Medicare Advantage | UnitedHealth Group | 48% | Humana | 18% |
The Blue Cross Blue Shield licensee in Arizona: Blue Cross Blue Shield of Arizona. For every company, including national carriers, see our List of Health Insurance Companies.
ACA Marketplace Insurers in Arizona for 2026 and 2027
| Insurer | 2026 | 2027 |
|---|---|---|
| Ambetter from Arizona Complete Health | Yes | Yes |
| Antidote Health Plan of Arizona | Yes | Yes |
| Blue Cross Blue Shield of Arizona | Yes | Yes |
| Cigna HealthCare of Arizona | Yes | No |
| Imperial Insurance Companies | Yes | Yes |
| Oscar Health Plan | Yes | Yes |
| UnitedHealthcare | Yes | Yes |
Cigna is leaving the Arizona Marketplace for 2027 as part of its exit from the individual market in all 11 of its states. UnitedHealthcare is expanding its service area.
Source: CMS Marketplace plan data files. Insurer names are brand names; an insurer may sell in only part of the state. Check plans for your ZIP code at HealthCare.gov.
Claim Denial Rates for Arizona Marketplace Insurers
In 2024, Arizona HealthCare.gov insurers denied 20.1% of in-network claims, compared with 18.7% nationally. Rates by insurer:
| Insurer (as filed) | In-Network Claims | In-Network Denial Rate |
|---|---|---|
| Health Net of Arizona, Inc. | 3,202,241 | 18.6% |
| UnitedHealthcare of Arizona, Inc. | 2,715,431 | 23.8% |
| Blue Cross and Blue Shield of Arizona, Inc. | 1,522,332 | 15.3% |
| Oscar Health Plan, Inc. | 292,877 | 28.1% |
| Cigna HealthCare of Arizona, Inc | 139,645 | 16.2% |
| Imperial Insurance Companies, Inc. | 2,393 | 33.1% |
Full methodology and national rankings are in our claim denial rates by insurer report.
Medicaid Managed Care Plans in Arizona
Arizona Health Care Cost Containment System (AHCCCS) runs Medicaid in Arizona. In 2024, 78.7% of the state’s 2,181,548 Medicaid enrollees were in comprehensive managed care plans, according to CMS; see our Medicaid managed care by state data. Programs: AHCCCS Complete Care (ACC); ACC-RBHA (Regional Behavioral Health Agreements); Arizona Long Term Care System (ALTCS) – EPD and DD; DCS Comprehensive Health Plan (children in state custody).
- Arizona Complete Health – Complete Care Plan
- Banner–University Family Care
- Blue Cross Blue Shield of Arizona Health Choice
- Mercy Care
- Molina Healthcare
- UnitedHealthcare Community Plan
Source: Arizona Health Care Cost Containment System (AHCCCS).
Medicare Advantage in Arizona
People with Medicare in Arizona can choose from 148 Medicare Advantage plans for 2027, compared with 133 in 2026, and 100% have access to a plan with a $0 monthly premium, according to CMS. The largest Medicare Advantage carriers are UnitedHealth Group (48%) and Humana (18%), according to the AMA. Compare every state on our Medicare Advantage plans by state page, and see our Medigap vs Medicare Advantage guide before you choose.
Recent Developments in Arizona
- AHCCCS ended its contested December 2023 ALTCS-EPD awards (Sept. 2025) and plans a new procurement, with incumbents Mercy Care, Banner and UnitedHealthcare extended. (source)
- Cigna is leaving Arizona’s ACA Marketplace for 2027 as part of its exit from the individual market in all 11 of its states. (source)
- Arizona’s commercial market is one of the most balanced of the eight states: UnitedHealth Group 30% vs BCBSAZ 26% (AMA, 2024 data). The 2024 exchange leader, Aetna (37%), left all ACA exchanges for 2026. (source)
How To Choose a Health Insurer in Arizona
- Compare Marketplace plans for your ZIP code and update your income to get the right tax credit.
- Check that your doctors and hospitals are in network; our HMO vs PPO vs EPO guide explains the differences.
- Compare the out-of-pocket maximum as well as the premium.
- If your insurer is leaving the Marketplace for 2027, choose a new plan by December 15 for coverage starting January 1.
- For complaints or help with a denied claim, contact the Arizona Department of Insurance and Financial Institutions.
For statewide enrollment and premium trends, see our ACA Marketplace enrollment by state data, and follow our Health Insurance Companies hub for insurer news.
Sources
American Medical Association, Competition in Health Insurance: A Comprehensive Study of U.S. Markets (2025 update, 2024 data); CMS 2026 and 2025 Open Enrollment State-Level Public Use Files; CMS Marketplace plan data files for 2026 and 2027; CMS Medicaid Managed Care Enrollment (2024); CMS 2027 Medicare Advantage and Part D state fact sheets; KFF 2024 Transparency in Coverage data; Arizona Health Care Cost Containment System (AHCCCS).