Health insurance in Arizona, 2027
Arizona uses HealthCare.gov, and its Medicaid program is called AHCCCS. Here is where Medicaid ends and the tax credit begins.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Arizona uses HealthCare.gov
Arizona does not run its own marketplace. You compare plans and apply for a tax credit on HealthCare.gov, or with a licensed agent who works with it.
For 2026 coverage, 357,144 Arizonans picked a Marketplace plan during open enrollment.1
- Marketplace
- HealthCare.gov
- 2026 plan selections
- 357,144
- Medicaid
- AHCCCS, adults up to 138% of the poverty level
- Children
- KidsCare
The dates for 2027
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1, 2027.2
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Last day to choose a plan that starts January 1 (key step)
- January 15, 2027Open enrollment ends
- February 1, 2027Coverage starts for plans chosen December 16 to January 15
Heads up: Choose a plan after December 15 and it starts February 1, not January 1. If nothing else covers you in January, that is a month without coverage.
AHCCCS or a tax credit
Arizona expanded Medicaid, called AHCCCS (the Arizona Health Care Cost Containment System). Adults with income under 138% of the poverty level, $22,025 for one person, can qualify. Above that line, a Marketplace tax credit usually takes over.3
New in 2027: AHCCCS work rules
Who it affects: AHCCCS expansion adults aged 19 to 64.
From January 1, 2027, many AHCCCS expansion adults aged 19 to 64 need to show 80 hours a month of work, school, training or volunteering, or earn at least $580 a month, unless an exemption applies. Exemptions include pregnancy, American Indian and Alaska Native members, the medically frail and some parents and caregivers.4
What to do: Keep your contact details current with AHCCCS, and call us if a notice arrives.
A family of three
For a family of three, AHCCCS for the adults reaches about $37,700 a year, and children qualify up to about $62,800 through AHCCCS and KidsCare.35
Which insurers sell plans
Arizona’s 2027 Marketplace plans appear on HealthCare.gov on November 1, and the choices in Phoenix or Tucson can differ a lot from rural counties.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in Arizona, and we work with Arizonans by phone and video from our Chicago office. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.6
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.