Arizona
Cheapest ACA plans in Scottsdale, Arizona for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Scottsdale is in Maricopa County, Arizona. 7 carriers sell 2026 ACA plans on Healthcare.gov for residents of Maricopa County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $388/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Maricopa County, including Scottsdale.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Scottsdale (Maricopa 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 Maricopa County |
|---|---|---|
| Catastrophic | $354 | 1 |
| Expanded Bronze | $388 | 27 |
| Bronze | $436 | 2 |
| Silver | $472 | 30 |
| Gold | $542 | 26 |
The actual cheapest Bronze plan in Scottsdale
Oscar Health Plan, Inc. Bronze Simple
$388/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Health Plan, Inc. Bronze Simple at $1,242/month before subsidies.
Carriers selling 2026 plans in Scottsdale
7 carriers sell 2026 plans on Healthcare.gov for Maricopa County residents; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 133 plans total in Maricopa County.
| Carrier | On-exchange plans |
|---|---|
| Oscar | 17 |
| Antidote Health Plan | 16 |
| Ambetter | 16 |
| UnitedHealthcare | 14 |
| BlueCross BlueShield of Arizona | 10 |
| Cigna | 8 |
| Imperial Insurance Companies, Inc. | 5 |
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 |
What you'll actually pay in Scottsdale
Estimated monthly net premium for the cheapest Bronze plan above ($388/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Maricopa 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% | $387/mo | $1/mo |
| $40,000 | 256% | $197/mo | $191/mo |
| $60,000 | 383% | $0/mo | $388/mo |
| $100,000 | 639% | — | $388/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% | $988/mo | $254/mo |
| $130,000 | 404% | — | $1,242/mo |
| $200,000 | 622% | — | $1,242/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 Scottsdale, Arizona for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Health Plan, Inc. Bronze Simple at $388 per month before subsidies. Plans sell through Healthcare.gov. Scottsdale is in Maricopa County, Arizona; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Scottsdale's 2026 ACA pricing compare to other Arizona cities?
Cheapest Bronze for a 40-year-old in Scottsdale is $388 per month before subsidies. For comparison: Tucson at $375/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
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.