State guides answer the three intake questions brokers get before income: which exchange platform, whether Medicaid expansion changes the subsidy cliff, and which carriers filed in the state for 2026.
At a glance
- Arizona uses HealthCare.gov (FFM) for individual market enrollment.
- Medicaid expansion status: expanded.
- CMS lists 163 issuers on file for 2026.
- Sample rating area: Phoenix (85004).
Marketplace snapshot
Figures below come from CMS Marketplace filings for plan year 2026. The sample ZIP is 85004 in Phoenix. Use coverage preview for another rating area, then quote the household when you need APTC and CSR math.
| Field | AZ · 2026 |
|---|---|
| Exchange platform | HealthCare.gov (FFM) |
| Medicaid expansion | Expanded |
| Plans in Phoenix (85004) | Not returned yet |
| Premium range (before APTC) | Not returned yet |
| Issuers on file | 163 |
Exchange platform
Arizona runs on HealthCare.gov (FFM). Confirm SEP and OEP deadlines on the state site when the household is not on the federal HealthCare.gov window.
Medicaid expansion
This state expanded Medicaid under the ACA. Households near 138% FPL may land in Medicaid instead of Marketplace APTC.
Open enrollment
Federal Marketplace OEP runs November 1 through January 15 for plan year 2026. Coverage effective dates follow Healthcare.gov rules for enrollments completed by December 15 and January 15.
Carriers in this state
Issuer rows come from CMS filings. Browse all carriers in AZ.
Issuer 59759
Health Choice Arizona Inc
1 state
Issuer 30038
Assurant Health
1 state
Issuer 77822
Knights of Columbus
1 state
Issuer 90169
UnitedHealthcare Life Insurance Company
1 state
Issuer 72269
UnitedHealthOne
1 state
Issuer 82011
UnitedHealthcare
1 state
Quote on QuoteTurbo with live APTC and CSR for the same household.
