Arizona Health Insurance

Arizona Health Insurance

July 29, 2015
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Arizona health insurance Marketplace is run by the federal government and is also called an Exchange.  In response to the Affordable Care Act the Marketplace was created to help uninsured people get coverage.   It is designed to help those who:

  • Don’t have insurance
  • Aren’t insured by an employer
  • Don’t qualify for government medical assistance
  • Self employed
  • Not covered by a spouse’s insurance
  • Have Pre-existing conditions

Health insurance is a contract with a company to cover your medical expenses in exchange for paying a premium regularly.   The purpose is to avoid large medical expenses.  Arizona health insurance is no exception to the fair exchange and market of insurance or federal law.  According to federal law, you are penalized 2% of your household income or $325 per person for not having health insurance.  This creates a problem for many people in Arizona who need insurance but don’t know how to get it.

Those seeking to obtain Arizona health insurance may qualify for financial help by purchasing insurance through or   Additionally Arizona has the Arizona Health Care Cost Containment System (AHCCCS) to help people qualify for Medicaid.  Individuals have to meet certain criteria in order to qualify for Medicaid but with the Affordable Care Act, obtaining may now be available to those who didn’t qualify previously.

Since the Affordable Care Act more than 475,000 people who were uninsured now have Arizona health insurance.  In order to get insurance you will need to present your social security number, W-2 statements, policies of anyone covered in your household and citizenship status.   All Arizona health insurance sold at the Marketplace is sold by private companies.

There are four types of plans sold on the Marketplace.   There are the bronze, silver, gold and platinum packages.  The difference in the plans is how much your deductible or co-pay is.   Within these plans are different types including:

  • HMO- Health Maintenance Organization is a plan where you can only be treated within a network except in an emergency.
  • PPO- Preferred Provider Organization is similar to an HMO where you can see doctors outside of your network for an additional fee and do not need referrals for outside specialists.
  • POS –Point of Service is a mix between HMO and PPO
  • EPO- Exclusive Provider Organization is where you are limited to the doctors and hospitals in which you can be treated but don’t need a referral to a specialist.

Deductibles and co-pays will vary from company to company so when looking for affordable Arizona health insurance make sure to do your homework and know what works for your financial situation.

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