Want to learn more about your Insurance Options?
Contact us today!
FAMILY – INDIVIDUAL – SMALL BUSINESS HEALTH INSURANCE IN ARIZONA
Now more than ever it’s important we have the best possible health coverage and the most affordable premium. Secure your well-being with comprehensive coverage options, including health care insurance plans in areas like Mesa, Tempe, Gilbert, Chandler, Queen Creek, Apache Junction and Phoenix, AZ. We are here to help, Please don’t hesitate reaching out to us for a free no obligation health insurance quote in Arizona.
Individuals & Families: Compare ACA marketplace and individual health plans, including options that may qualify for premium tax credits. Small Business & Self-Employed: See our dedicated guide to small business health insurance plans in Arizona, including group coverage and self-employed options.
Short Term
Short Term insurance is intended for a short period of time. You can receive from 1 month to 36 months of coverage.
ACA Obamacare
The Affordable Care Act also known as Obamacare or ACA is Federally governed by the Department of Health and Human Services. There a many health insurance carriers who offer plans with this product, with their own unique network and special benefits.
Fixed Benefit Health Indemnity
Fixed Benefit Health Indemnity plans help manage out-of-pocket costs by providing an extra layer of protection in the event of serious illness or injury.
Short Term
Short Term insurance is intended for a short period of time. You can receive from 1 month to 36 months of coverage. Some plans come with co-pays options to see a doctor or specialist while many others won’t begin to provide coverage until your deductible has been met. A short term plan can provide peace of mind ensuring you have a safety net helping you bridge a coverage gap. You can enroll in these plans at any time and most have a quick approval and become effective in as quickly as a day. Most plans won’t provide coverage for pre-existing conditions and don’t cover maternity.
ACA Obamacare
The Affordable Care Act also known as Obamacare or ACA is Federally governed by the Department of Health and Human Services. There are many health insurance carriers who offer plans with this product, each with their own network and benefits. All ACA plans cover pre-existing conditions and maternity care, and monthly premiums are based on factors like yearly income and household size. You can enroll in an ACA plan during the annual Open Enrollment Period, which runs November 1 through January 15, unless you qualify for a Special Enrollment Period. Enrolling by December 15 starts coverage on January 1; enrolling after December 15 starts coverage the first day of the following month. Source: HealthCare.gov. Last reviewed: August 2026.
Fixed Benefit Health Indemnity
Fixed Benefit Health Indemnity plans help manage out-of-pocket costs by providing an extra layer of protection in the event of serious illness or injury by paying a set amount of cash benefit to help cover the expenses. These plans are extremely flexible and allow a small business or family to choose which benefit coverage is wanted. You can enroll in these plans at any time and they become effective in as little as 1 week. Most plans won’t provide coverage for pre-existing conditions and don’t cover maternity.
Want to learn more about our Health Insurance options?
Contact us today!
(602) 618-1400
trent@affordablehealthins.com
3930 E University Dr, Mesa AZ 85205
Health Insurance Questions, Answered
When can I enroll in an ACA health plan in Arizona?
Open Enrollment runs November 1 through January 15 each year. Enroll by December 15 for coverage starting January 1; enroll after that and coverage starts the first day of the following month. Outside this window, you can only enroll if you qualify for a Special Enrollment Period, such as after losing other coverage, moving, or a change in household size.
What is the difference between an ACA marketplace plan and private individual insurance?
ACA marketplace plans are standardized, cover pre-existing conditions, and may qualify for income-based subsidies that lower your premium. Off-marketplace private individual plans aren’t eligible for subsidies but may offer different networks or price points. A licensed agent can compare both side by side for your situation.
How much does health insurance cost in Arizona?
Cost depends on your age, household income, family size, and plan tier. Many Arizona residents qualify for premium tax credits that significantly lower monthly costs on ACA marketplace plans. A free quote from a local licensed agent will show your actual options and pricing.
Can I get health insurance if I have a pre-existing condition?
Yes. ACA marketplace plans cannot deny coverage or charge more because of a pre-existing condition. This applies to individual and family ACA plans available to Arizona residents.
Want plain-language definitions of terms like premium, deductible, and coinsurance? Visit our Health Insurance & Medicare Glossary.