Arizona health insurance marketplace
At Blake Insurance Group, we’re here to make navigating the Arizona Health Insurance Marketplace easy and stress-free. Whether you’re an individual, a family, or a small business owner, we provide personalized guidance to help you find the right coverage at the right price.
What Is the Arizona Health Insurance Marketplace?
The Arizona Health Insurance Marketplace (also known as the Health Insurance Exchange) is part of the federal Affordable Care Act (ACA). It offers a centralized platform for Arizonans to shop for and enroll in qualified health insurance plans, often with financial assistance available based on income.
You can access the Marketplace through HealthCare.gov, where you’ll find a range of ACA-compliant plans that cover essential health benefits, including doctor visits, prescriptions, emergency services, maternity care, mental health services, and more.
Insurance Companies Participating in Arizona’s Marketplace
Several well-established insurers participate in Arizona’s Marketplace, providing a variety of plan options depending on your county and zip code. As of the most recent enrollment period, these insurers include:
Blue Cross Blue Shield of Arizona
Ambetter from Arizona Complete Health
Banner|Aetna
Cigna Healthcare
Medica
Oscar Health
UnitedHealthcare
Each provider offers different plan tiers—Bronze, Silver, and Gold—to match a range of health needs and budgets.
How Blake Insurance Group Can Help You
At Blake Insurance Group, we don’t just quote you rates—we educate, compare, and advocate for you. Here’s how we make the Marketplace work for you:
✅ Individuals
We help you find plans that balance monthly premiums, out-of-pocket costs, and coverage benefits. We ensure you get any subsidies or tax credits you qualify for, and we walk you through enrollment step-by-step—so you never feel overwhelmed.
✅ Families
Protecting your loved ones is a top priority. We compare family plans that cover pediatric care, maternity, mental health, and prescriptions while maximizing household subsidies and minimizing costs.
✅ Small Businesses
Offering health insurance to employees helps attract and retain top talent. We assist Arizona small business owners in exploring options both on and off the SHOP marketplace, helping you understand group plans, tax advantages, and contribution strategies that work for your budget.
Special Enrollment Periods (SEPs) – When Life Happens, We’ve Got You Covered
While the Open Enrollment Period typically runs from November 1 to January 15, certain life events may qualify you for a Special Enrollment Period (SEP)—giving you a chance to enroll or change your health insurance outside the standard window.
You may qualify for a SEP if you:
Lose health coverage (job-based, COBRA, Medicaid, etc.)
Get married or divorced
Have a baby or adopt a child
Move to a new ZIP code or county
Experience a change in income
Become a U.S. citizen or gain lawful presence
At Blake Insurance Group, we help you determine if you’re eligible for a SEP and make sure you don’t miss any critical deadlines. Our team works quickly to get you covered when life takes an unexpected turn.
Income-Based Subsidy Guidance – Don’t Leave Money on the Table
Most people who apply for health insurance through the Marketplace qualify for premium tax credits or cost-sharing reductions—but understanding how these work can be confusing.
That’s where we come in.
We help you:
Estimate your eligibility for subsidies based on your household income and size
Compare subsidized vs. unsubsidized plans to see real savings
Maximize financial assistance so you get the most value from your health plan
Whether you’re self-employed, working part-time, or navigating unpredictable income, we’ll guide you every step of the way to ensure you’re not paying more than you have to.
Understanding the Costs – What You’ll Pay on the Arizona Marketplace
When shopping for a health plan on the Marketplace, it’s important to understand the total cost of coverage, not just the monthly premium. At Blake Insurance Group, we help break down the numbers so you know exactly what you’re paying for—and why.
Key costs to consider:
Monthly Premium: What you pay each month to stay enrolled in the plan.
Deductible: What you pay out-of-pocket before your insurance begins to cover services.
Copayments & Coinsurance: Your share of costs for visits, prescriptions, and procedures after the deductible is met.
Out-of-Pocket Maximum: The most you’ll pay in a year before your plan covers 100% of your care.
💡 Good to know: With the enhanced subsidies under the American Rescue Plan (and extended through the Inflation Reduction Act), many Arizonans now qualify for lower premiums than ever before—some as low as $0/month, depending on income.
We’ll walk you through side-by-side plan comparisons so you can see how each option impacts your bottom line—not just today, but all year long.
How to Enroll – We Make It Simple
Enrolling in the Arizona Health Insurance Marketplace can feel intimidating, but not when you have Blake Insurance Group on your side. Our expert agents handle the details, so you can focus on choosing the right plan.
Here’s how our enrollment process works:
Schedule a Free Consultation
Call, text, or email us to get started. We’ll ask a few simple questions about your household, income, and coverage needs.
Review Plan Options
We’ll present a personalized selection of plans available in your area—comparing prices, benefits, networks, and subsidies.
Apply for Coverage
We complete your application on HealthCare.gov and ensure you receive all the financial help you’re eligible for.Get Covered
Once your plan is selected and your first premium is paid, your coverage will begin on the designated start date.
Need help mid-year? If you’ve had a life change, we’ll help you access a Special Enrollment Period and guide you through the process quickly and accurately.
Frequently Asked Questions – Arizona Health Insurance Marketplace
By Blake Insurance Group
What is the Arizona Health Insurance Marketplace?
The Marketplace is an online platform where Arizona residents can shop for, compare, and enroll in health insurance plans that comply with the Affordable Care Act (ACA). You can access it at HealthCare.gov.
Who is eligible to enroll in Marketplace coverage?
Anyone who lives in Arizona, is a U.S. citizen or legal resident, and is not eligible for Medicare can apply. Subsidies are available based on income and household size.
When can I enroll in a Marketplace plan?
The Open Enrollment Period runs from November 1 to January 15 each year. You may also qualify for a Special Enrollment Period (SEP) if you’ve had a life event such as losing coverage, getting married, or moving.
How much does health insurance cost on the Marketplace?
Costs depend on your income, household size, and chosen plan. Many individuals qualify for premium tax credits that significantly reduce monthly costs—some even qualify for $0 premium plans.
Can I get help paying for my health insurance?
Yes! Most Marketplace users qualify for subsidies based on income. These can lower your monthly premiums and out-of-pocket costs. We’ll help you determine exactly what you qualify for.
What if I’m self-employed or a small business owner?
We help self-employed individuals find affordable coverage through the Marketplace. For small business owners, we assist in offering employee coverage through SHOP plans or other group health options.
What documents do I need to enroll?
To apply, you may need:
- Proof of income (tax returns, pay stubs)
- Social Security numbers for all applicants
- Immigration documents (if applicable)
- Current insurance info (if you have it)
We’ll walk you through the full list and handle the details.
How can Blake Insurance Group help me with the enrollment process?
We offer free, personalized assistance—from plan comparisons and subsidy checks to completing your application. No pressure, no sales gimmicks—just expert advice from licensed Arizona agents who care.
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Blake Insurance Group
Phone: (888) 387-3687
Email: [email protected]
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent