Affordable Care Act (ACA) Health Plans

Plans are available in all counties and include:

  • Financial help available from the government to help pay for monthly premiums and reduce out-of-pocket shared costs
  • Medical coverage including doctor visits, urgent care, etc.*
  • $0 preventive services such as well woman visits, immunizations, flu shots, etc.**
  • Coverage for pre-existing conditions


*All plans for individuals and families do not cover services outside of the network, except for emergencies and other limited situations with BCBSAZ pre-approval. All plans have limits, exceptions, and members cost share requirements.
**Applies to covered services submitted with a preventive diagnosis.

Short-term Health Plans (non ACA-Compliant)

You may want to consider an alternative health plan option such as short-term medical. This type of plan is available for 30 – 364 day temporary coverage. Plans include:

  • Doctor visits,* hospital stays, and more
  • Options to add Rx drug benefits, out-of-pocket expense coverage, and telemedicine
  • Enroll any time of the year -- there’s no deadline
  • Excludes pre-existing medical conditions

STM plans are offered by The IHC Group and underwritten by Independence American Insurance Company (IAIC), a member of The IHC Group. The IHC Group and IAIC are independent companies that do not provide, offer or sell BCBSAZ products or services and are solely responsible for the products and services they provide. Short-term medical (STM) insurance is temporary coverage with limited benefits. It is not ACA-compliant, may not cover pre-existing conditions and is not guaranteed-issue.
*Two office visit copays per person per 30-364 day coverage.