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Health Insurance

As you shop for a health plan, it’s important to know your options. There are different types of plans available for you to consider.

Affordable Care Act (ACA) Health Plans

BCBSAZ offers ACA plans in all counties except for Maricopa and Pima. You can find these plans on the Health Insurance Marketplace. Plans include:

  • Comprehensive 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**

See if you qualify for a $0/month health plan with financial help***

Youtube Special Enrollment Period

Special Enrollment Period
1:28 min.

*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.
***The monthly premium factors in a premium subsidy from the federal government. An applicant’s household income will determine whether they qualify for a federal premium subsidy. In addition, rates will vary depending on the specific plan, the applicant’s county of residence, and age.

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 – 90 day temporary coverage. Plans include:

  • Includes 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
  • Reapply for another 30-90 days of coverage anytime
  • Excludes pre-existing medical conditions
  • Plans are not ACA-compliant, which means you may pay a tax penalty

Youtube Medical Plans

Medical Plan Options
2:32 min.

Short-term medical (STM) insurance is temporary coverage with limited benefits. It is not ACA-compliant, doesn't cover pre-existing conditions and is not guaranteed-issue. You may still be subject to a federal tax penalty.
STM plans are offered by The IHC Group and underwritten by Standard Security Life Insurance Company of New York (SSL). The IHC Group and SSL 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..
* One office visit copay per person per 30-90 day coverage.