Health Insurance in Arizona: What You Need to Know for 2025

Key Health Insurance Deadlines for Arizona in 2025

Open Enrollment Period (OEP): November 1, 2024 – January 15, 2025

• Enroll by December 15, 2024, for coverage starting January 1, 2025.

Special Enrollment Period (SEP): Available for qualifying life events like moving, getting married, or losing job-based coverage.

Medicare Enrollment:

• Annual Enrollment: October 15 – December 7, 2024
• Medicare Advantage Open Enrollment: January 1 – March 31, 2025

Top Health Insurance Options in Arizona

Marketplace Plans (ACA Coverage)

Arizonans can find Affordable Care Act (ACA) plans through the Health Insurance Marketplace. Some of the top providers in Arizona include:

• Ambetter from Arizona Complete Health
• Blue Cross Blue Shield of Arizona
• Cigna Healthcare
• UnitedHealthcare

Employer-Sponsored Health Insurance

Many Arizona residents receive insurance through their employer. Always compare your employer plan with Marketplace plans to find the best coverage.

Medicaid in Arizona (AHCCCS)

Arizona’s Medicaid program, AHCCCS, provides low-cost healthcare for qualifying residents.

(Check eligibility at AHCCCSAHCCCS).

Medicare for Seniors & People with Disabilities

Arizonans 65+ can enroll in:

• Original Medicare (Parts A & B)
• Medicare Advantage (Part C)
• Medicare Supplement Plans (Medigap)

(Find Medicare plans at Medicare.gov.)

How to Save Money on Health Insurance in Arizona

• 1. See if you qualify for subsidies – Many Arizonans qualify for federal assistance to reduce premiums.
• 2. Choose a high-deductible plan – Pairing it with an HSA can save on taxes.
• 3. Work with an independent insurance broker – Ashley Insurance Services can help you compare options.

Final Thoughts

Whether you’re choosing an ACA plan, employer coverage, or Medicare, understanding Arizona’s health insurance market is key to finding the best plan for 2025.

For free expert assistance, contact Ashley Insurance Services today!