Health insurance brokers in Arizona

• About 28 percentaverage full price increase for Arizona marketplace plans in 2027, one of the highest in the country
• 30 percentdrop in Arizona effectuated marketplace enrollment from 2025 to 2026
• $0what it costs you to have me compare every Arizona plan before you renew

Arizona is near the top of the 2027 price list

Arizona marketplace plans are raising full price premiums by about 28 percent on average for 2027, roughly double the national average of about 15 percent. A senior policy officer at the Robert Wood Johnson Foundation described Arizona as one of the very highest states in the country for its increase.

That comes on top of a hard 2026. The enhanced federal premium tax credits expired at the end of 2025, and the average net premium for Arizona enrollees roughly doubled, from about $113 a month to $229 a month. KFF found that Arizona's effectuated enrollment, meaning people who actually paid and kept their coverage, fell by 30 percent between 2025 and 2026, one of the largest drops anywhere.

What changes for 2027

Cigna is not the first carrier to leave Arizona in this stretch. Aetna exited the Arizona marketplace at the end of 2025, and with Cigna gone, six insurers will sell Arizona marketplace plans for 2027, down from seven. If you are a Cigna member, you will get a non renewal notice and can be moved into another plan automatically if you do nothing. Please do not let that happen by default. With prices moving this much, the automatic replacement is very unlikely to be the plan you would have picked, and it is worth checking that your doctors and prescriptions come with you.

If your income is low, check AHCCCS first

Arizona expanded Medicaid on January 1, 2014, so adults earning up to 138 percent of the federal poverty level can qualify for AHCCCS, the state's Medicaid program. Children in families earning up to 205 percent of poverty may qualify for KidsCare. If you qualify for either, you cannot get a marketplace subsidy, and AHCCCS will usually be the better deal anyway. That is advice that ends with me selling you nothing, and that is fine.

One new wrinkle. Starting January 1, 2027, federal law requires many adults in the AHCCCS expansion group, ages 19 to 64, to show at least 80 hours a month of work, volunteering or school, with renewals every six months. About 417,000 Arizonans are in that group, and there are exemptions for people with disabilities, caregivers, pregnant people and others. AHCCCS has a screening tool at KeepMyAHCCCS.com. If you lose AHCCCS because of these rules, losing coverage can open a window to buy a marketplace plan, and that is a conversation I am glad to have.

Open enrollment dates for 2027 coverage in Arizona

Arizona does not run its own exchange. It uses the federal marketplace at HealthCare.gov, so Arizona follows the federal calendar, and open enrollment for 2027 is open now.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, such as losing job based coverage, losing AHCCCS, marriage, a new baby, or a permanent move, and each usually opens a 60 day special enrollment period. American Indians and Alaska Natives can enroll in a marketplace plan at any time of year.

Every 2027 change in Arizona, carrier by carrier →

How to choose a health insurance broker in Arizona

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Arizona agents can be checked through the Arizona Department of Insurance and Financial Institutions license search, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Arizona, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the plans you qualify for side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Arizona

Statewide. Most of my work happens over the phone or a video call, so where you are in Arizona changes nothing about the process.

• Phoenix
• Tucson
• Mesa
• Chandler
• Gilbert
• Glendale
• Scottsdale
• Peoria
• Tempe
• Surprise
• San Tan Valley
• Goodyear
• Buckeye
• Yuma
• Avondale
• Flagstaff
• Queen Creek
• Maricopa
• Casa Grande
• Prescott Valley

I am also licensed in every other state, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Arizona

According to the U.S. Census Bureau, 10.3 percent of people in Arizona had no health insurance in 2024, above the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Arizona this year I am also spending a lot of time with Cigna members who need a new plan and with people who dropped coverage in 2026 and are wondering whether it is worth coming back.