Affordable Care Act (ACA) Medical Plans

If you live in Maricopa County, BCBSAZ does not offer Affordable Care Act (ACA) plans on the Health Insurance Marketplace to residents in these service areas. If you want an ACA plan, visit

Short-Term Medical Plans

You may want to consider a flexible, low-cost, short-term medical (STM) plan to help protect you in case of unplanned injury or illness*. STM plans are temporary plans and not ACA-compliant, which means you may have to pay a tax penalty.**

Plan aspects include:

  • Low-cost plans
  • Choose the length of coverage you need
  • Includes doctor visits, hospital stays and more
  • Choice of deductibles, coinsurance and out-of-pocket amounts
  • Enroll any time of the year; there’s no deadline
  • Excludes pre-existing conditions
  • Add Rx drug benefits, out-of-pocket expense coverage, or telemedicine