Arizona has been among the states with the highest uninsured rate. However, as the health insurance landscape changes under the Affordable Care Act, the percentage of uninsured Arizona residents has improved.
Health insurance options available to Arizonans include individual and family coverage, public programs such as Medicaid and CHIP, and job-based benefits. Health insurance quotes are also available through HealthCare.org, where people may shop for Obamacare major medical insurance plans, short term health insurance, supplemental health insurance, dental insurance and Medicare supplement plans.
Arizona and the Affordable Care Act
When the Affordable Care Act took effect, Arizona opted to participate in the federally facilitated health insurance exchange. Arizonans can buy ACA-compliant health plans on and away from the federal marketplace during the annual open enrollment period or during a special enrollment period if they have a qualifying life event. Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies, which lower healthcare costs.
In Arizona, small employer groups with 50 or fewer full-time employees can offer health benefits through SHOP—the Small Business Health Options Program.
Medicaid expansion in Arizona
Arizona is among the states that expanded its Medicaid program to single, low-income adults.
Arizonans that want to apply for Medicaid may do so through the Health Insurance Marketplace. Additional information is available at the Arizona Health Care Cost Containment System website: azahcccs.gov.
Arizona’s CHIP program, KidsCare, no longer accepts applications due to lack of funding. Health benefits for low-income families may be available through Arizona’s health insurance exchange where families can apply for Obamacare financial assistance or Medicaid.