Cheap health insurance plans can be purchased in Arizona through the state marketplace, or low-income households may be eligible for coverage through Arizona’s Medicaid expansion. To help you find the best health insurance arizona plan for your family, we evaluated all policies on the state exchange to find those with the lowest premiums.
Depending on where you live in Arizona, the cheapest Silver health insurance plan is either the EverydayHealth HMO 4000 – Neighborhood Network or Ambetter Balanced Care 4. Health Net/Ambetter is only available in Pima and Maricopa counties, so their Balanced Care 4 health plan is the best cheap option in these regions. The EverydayHealth HM0 4000 Silver plan is the most affordable policy in other Arizona counties
If you’re not in a business, don’t despair. You may be able to enjoy the lower premiums associated with group plans by joining an organization such as trade or alumni associations. For instance, as a writer, I might elect to join a group association targeted to help writers secure discounted health insurance. Groups such as ASJA American Society of Journalists and Authors.
Another option for the self-employed is the National Association for the Self-Employed (NASE). NASE offers self employed individuals the choice to deduct 100% of their medical premiums and 100% of their non insured medical expense from state, federal and self employment taxes through a program called 105 HFR.
There are many options for an individual to obtain affordable health insurance coverage. Keep in mind that there are savings in numbers; the more people in a plan, the better the savings for each member.
In some states, like Florida you may purchase group policies for a group of one. Some states allow a two-person policy to qualify for a group rate. If you are a sole proprietor and your spouse helps you with things like bookkeeping, filing or mailings, you may be able to claim them as an employee and get the group rate.
Because association health plans are not subject to the various state regulations that group health plans are subject to, they are able to offer cheaper insurance coverage. Keep in mind, however, that an association health plan is different from a group health plan in that the association does not have to offer the same premium for each member.
Fitness instructors might elect to participate in the health insurance program offered through IDEA, an organization of health and fitness professionals. Pregnant women may join the American Pregnancy Association which offers both government funded programs and discount health programs such as MaternityCard AmeriPlan.