ACA Plans for Individuals and Families
When You Can Enroll
Open Enrollment
November 1 through January 15
Open enrollment is the time Arizonans can sign up for or change ACA plans.Special Enrollment Period
You may be able to enroll any time if you have a “qualifying life event.” Learn more about ACA special enrollment period.
ACA Plans Cover These 9 Essential Health Benefits
Doctor Visits
Mental and Behavioral Healthcare
Prescription Drugs
Free Preventive Care, Including Screenings and Immunizations
Emergency Care
Hospital Stays
Urgent Care
Maternity and Newborn Care
Dental and Vision Care for Children
Check to See if You Qualify for Financial Help
| Persons in Household | Income range that qualifies for subsidy |
|---|---|
| 1 | $22,024 to $63,840 |
| 2 | $29,863 to $86,560 |
| 3 | $37,701 to $109,280 |
| 4 | $45,540 to $132,000 |
| 5 | $53,378 to $154,720 |
| 6 | $61,216 to $177,440 |
Source: U.S. Department of Health and Human Services Federal Poverty Level (FPL) Guidelines for 2026
Understanding details of available plans will help you make the best decision. In previous years auto-renewing your policy was a convenient option, but for 2026, with higher premiums and lower subsidies for those who qualify, we recommend you actively enroll.
