Health coverage for Arizona · Under 65
Compare Arizona health insurance options.
Whether you’re working for yourself, covering a family, or leaving employer benefits, we’ll put your needs first and compare suitable options. Find guidance for your profession below.
Find guidance for your situation
01 / Independent work
Self-employed & 1099
Compare coverage around variable income, your doctors, and your household’s financial risk.
02 / Your household
Individuals & families
Check each person’s providers, prescriptions, employer options, and total household costs.
03 / A change in benefits
Leaving employer coverage
Review COBRA, Marketplace and other options with your coverage end date and enrollment timing in hand.
04 / Your next chapter
Retiring before 65
Build a coverage bridge around household income, ongoing care, travel, and your next eligibility date.
Health insurance for your profession
Your work affects the benefits available to you, your budget, and the questions worth asking. Start with your situation, then compare the actual policy terms.
Attorneys & solo lawyers
Leaving a firm’s benefits, starting a practice, or comparing coverage with a spouse’s plan? Start with the decisions that matter for your household.
Realtors & real estate agents
Compare brokerage benefits, commission-based budgeting, doctors, and household needs before choosing individual coverage.
Also explore guidance for mortgage brokers and loan originators, physicians and locum doctors, travel nurses, and construction contractors. Consultants and freelancers can start with our self-employed coverage guide.
Running a business with employees? Separate your own household coverage from employee benefits. For a broader starting point, see health insurance for 1099 contractors.
Understand the main paths to coverage.
ACA Marketplace
Comprehensive coverage. Possible financial help.
Marketplace plans include ACA protections for pre-existing conditions. Eligibility for premium tax credits, your providers, and enrollment timing all matter.
Outside the Marketplace
More than one type of private plan.
Off-exchange ACA plans and medically underwritten non-ACA products are different. We’ll identify the type, benefits, exclusions, and financial exposure before comparing prices.
PPO, HMO, and EPO describe networks.
Start with the guide for your situation: 1099 contractors, young adults choosing coverage, or our health plan comparison checklist.
A PPO label does not tell you whether a plan is ACA-compliant, covers a particular condition, or limits what it pays. Network type and insurance benefits are separate questions. We’ll check both.
Some non-ACA products are limited-benefit or supplemental coverage. They should not be mistaken for comprehensive major medical insurance. The written policy controls coverage.
From the first question to the next renewal.
Before deciding who will help you compare coverage, review these questions to ask before choosing a health insurance advisor. The guide covers licensing, plan access, compensation, written benefits, and ongoing support.
Work directly with Matthew Kimball, your Arizona health insurance advisor. Your initial phone consultation takes 15 minutes. There is no advisory fee; compensation comes from insurance carriers. Plan availability and carrier representation vary, and we’ll clarify the options available for your situation.
Before enrollment
Compare and understand
Review priorities, available options, provider participation, benefits, exclusions, and total costs.
When you choose
Application support
Get help with the enrollment process and understand approval requirements and effective dates.
After enrollment
A continuing resource
Ask questions about your coverage and review options when your life or your plan changes.
A clear next step
Let’s find coverage that fits your life.
Tell me what you need. We’ll compare the options, talk through the tradeoffs, and decide what makes sense for you.