Health insurance in Arizona
Insurers per county in Arizona run from 1 to 7. That is not one market, and the state average describes none of it.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. Figures cover the under-65 population.
Where you enroll
Arizona uses the federally facilitated marketplace, so you enroll at HealthCare.gov on the federal calendar — the dates are here.
Medicaid covers the bottom of the range in Arizona
Arizona expanded Medicaid, so there is no coverage gap here: adults under 138% of the poverty guideline — about $22,025 for one person — go to Medicaid rather than falling between it and the subsidy.
763,269 under-65 Arizona residents are uninsured all the same, 12.9% of them — 7th of the 51 states and DC, and 1.3× the 26-state median of 9.9%.
Arizona is several markets, not one
Arizona is not one market. Its counties range from 1 insurer to 7 — a gap of 6. Someone at one end of the state is shopping in a genuinely different market from someone at the other, at the same age and the same income.
One county in Arizona has just a single insurer selling on the exchange. There, the benchmark plan that sets the subsidy is whatever that one company decided to charge. No county in Arizona changed its number of insurers since the previous plan year.
How many Arizona residents buy on the marketplace
357,144 Arizona residents selected a marketplace plan for 2026. Against the state's under-65 population that is 60 per thousand, below the 26-state median of 79, and 20th highest of the 26 states on this site.
Of those, 56,742 — 16% — were new rather than renewing, which is a fairly typical mix of new and renewing enrollees (8th of 26).
The spread inside Arizona
Maricopa County is the largest county we publish here, with 3,830,352 under-65 residents; Cochise County is the smallest, with 90,044. Maricopa County has 7 insurers offering 86 plans, and Cochise County has 2 offering 25.
The widest choice in Arizona is in Maricopa County — 7 insurers, 86 plans. The narrowest is Yuma County, with 2 insurers and 14 plans. Same state, same rules, 72 more plans to choose from.
Uninsured rates range from 11.8% in Pima County to 15.3% in Yuma County — 1.3 times as high, within one state.
The 8 largest counties in Arizona
By under-65 population, covering 96% of the state's under-65 residents. Arizona has 15 counties with complete federal data; we publish pages for the largest.
| County | Under 65 | Uninsured | Insurers | Plans | Per 1,000 |
|---|---|---|---|---|---|
| Maricopa County | 3,830,352 | 12.6% | 7 | 86 | 62 |
| Pima County | 813,965 | 11.8% | 7 | 86 | 57 |
| Pinal County | 380,472 | 13.9% | 6 | 78 | 52 |
| Yuma County | 164,488 | 15.3% | 2 | 14 | 41 |
| Yavapai County | 160,993 | 15.2% | 3 | 22 | 77 |
| Mohave County | 145,979 | 13.9% | 2 | 24 | 85 |
| Coconino County | 105,086 | 12.7% | 2 | 26 | 68 |
| Cochise County | 90,044 | 12.3% | 2 | 25 | 61 |
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. "Per 1,000" is marketplace plan selections per thousand under-65 residents.
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