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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

2017 Open Enrollment ended January 31, 2017

Still need coverage for 2017?
You or a family member may still be able to get Affordable Care Act (ACA) coverage if you have a qualifying event. Learn more

Buying Marketplace plans
BCBSAZ only offers ACA plans in counties outside of Maricopa. You can find these plans on the Marketplace.

Youtube Video

Special Enrollment Period
2:23 min.

Short-term Health Plans (non ACA-Compliant)

30-90 day temporary plans

  • Includes doctor visits*, hospital stays and more
  • Choice of deductibles, coinsurance and out-of-pocket amounts
  • 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 Video

Medical Plan Options
2:49 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.
*The number of copay-eligible office visits you’ll receive are per person.
**Coverage for an ACA plan is considered to be unaffordable if the lowest cost Bronze-level plan available to you through the Marketplace in 2017 is more than 8.13% of your household income. Information should not be construed as tax advice. Consult your tax advisor for more information.