Affordable Care Act (ACA) Plans

Plans are available in all counties and include:

  • 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**
  • Government financial help

How to Choose a Plan

It’s important to do your research before making any decisions about the type of ACA plan that could be right for you and your family. Consider these points when deciding:

  • Review your health. How much healthcare you need is an important factor in choosing a health plan. If you know you’re going to need a medical procedure or you have a health condition, consider those costs when choosing a health plan.
Youtube BCBSAZ Video - How to pick an ACA plan

How to Choose a Healthcare Plan
2:18 min.

  • Know what’s included. Every health plan has a Summary of Benefits and Coverage (SBC). It provides information about deductibles, out-of-pocket limits and covered services. It’s like a nutritional label for a health plan.
  • Check the plan’s network. Check to see if your doctor is in the plan’s network. If not, are you okay with changing doctors? Not all doctors are in all BCBSAZ networks. It’s important to know that visits to doctors who are not in your plan’s network are not covered.
  • Plan your spending. Spending less on monthly premiums typically means you pay more when you need medical services. Plus, you may have a higher deductible. On the other hand, paying more each month for your premium may mean you have a lower deductible and spend less out of pocket. What works best for you?

Financial Help

Think you can’t afford health insurance? More people may qualify for subsidies this year than last. Find out if you can get financial help—called subsidies—that are available from the federal government:

  • A Premium Tax Credit helps you pay for all or part of your monthly bill.
  • A Cost-Share Reduction helps pay your share of the costs for medical care, such as copays, deductibles and coinsurance.
Youtube Financial help

Low Cost Options
1:03 min.

Subsidies are based on the household income earned during the year you will be covered.

FPL Chart

Source: U.S. Department of Health and Human Services Federal Poverty Level (FPL) Guidelines for 2020.