Arizona
Cheapest ACA plans in Flagstaff, Arizona for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Flagstaff is in Coconino County, Arizona. 2 carriers sell 2026 ACA plans on Healthcare.gov for residents of Coconino County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $647/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Coconino County, including Flagstaff.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Flagstaff (Coconino County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Coconino County |
|---|---|---|
| Expanded Bronze | $647 | 9 |
| Silver | $751 | 8 |
| Gold | $859 | 9 |
The actual cheapest Bronze plan in Flagstaff
Ambetter from Arizona Complete Health Everyday Bronze
$647/moFor a family of four (two 40-year-olds and two kids under 14): Ambetter from Arizona Complete Health Everyday Bronze at $2,067/month before subsidies.
Carriers selling 2026 plans in Flagstaff
2 carriers sell 2026 plans on Healthcare.gov for Coconino County residents; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 61 plans total in Coconino County.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 16 |
| BlueCross BlueShield of Arizona | 10 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Health Net Community Solutions of Arizona, Inc. | 26 |
| UnitedHealthcare | 9 |
What you'll actually pay in Flagstaff
Estimated monthly net premium for the cheapest Bronze plan above ($647/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Coconino Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $689/mo | $0/mo |
| $40,000 | 256% | $499/mo | $148/mo |
| $60,000 | 383% | $288/mo | $359/mo |
| $100,000 | 639% | — | $647/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,953/mo | $114/mo |
| $130,000 | 404% | — | $2,067/mo |
| $200,000 | 622% | — | $2,067/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Flagstaff, Arizona for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Ambetter from Arizona Complete Health Everyday Bronze at $647 per month before subsidies. Plans sell through Healthcare.gov. Flagstaff is in Coconino County, Arizona; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Flagstaff's 2026 ACA pricing compare to other Arizona cities?
Cheapest Bronze for a 40-year-old in Flagstaff is $647 per month before subsidies. For comparison: Phoenix at $388/mo; Tucson at $375/mo; Mesa at $388/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Arizona use Healthcare.gov?
Yes. Arizona participates in the federally-facilitated Marketplace (FFM) at healthcare.gov. Arizona does not operate a state-based exchange for PY2026.
What is AHCCCS and does it affect my Marketplace eligibility?
AHCCCS (Arizona Health Care Cost Containment System) is Arizona's Medicaid agency. Arizona expanded Medicaid in January 2014, so adults 19-64 with income up to 138% FPL qualify for AHCCCS regardless of parental status or disability. If you are AHCCCS-eligible, you generally cannot get APTC on a Marketplace plan. If your income is above 138% FPL, you shop on healthcare.gov.
Does Arizona have a state premium subsidy or reinsurance program?
No. Arizona does not fund a state premium subsidy or §1332 reinsurance waiver. Marketplace help is federal APTC and CSRs only, and the ARPA/IRA enhanced subsidies expired at the end of 2025.
More Arizona pricing
- Statewide Arizona pricing and metal tiers
- Phoenix pricingcheapest Bronze $388/mo
- Tucson pricingcheapest Bronze $375/mo
- Mesa pricingcheapest Bronze $388/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Arizona Department of Insurance and Financial Institutions for rate review, carrier filings, and consumer guidance.
- AHCCCS: Arizona Medicaid for Medicaid expansion eligibility up to 138% FPL.
- KFF: Arizona State Health Facts for Medicaid expansion, enrollment, and benchmark-premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.