About Health Insurance in Arizona
Arizona residents have many great companies to choose from when it comes to health insurance, which is why East Coast Health Insurance is here to guide you towards the right plan. You can choose from Aetna, Cigna, Humana One, Health Net, UnitedHealth One, and Blue Cross Blue Shield of Arizona.
- Total Population: 6,593,200
- Total Uninsured Population: 1,258,600 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $2,173
- Average State Premium for Individual Health Insurance: $241
Information provided by Kaiser Family Foundation, 2010.
Choosing a Health Plan in Arizona
East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our experts finding the best rates for you over the phone at 888-803-5917.
Arizona Health Insurance Market Overview and Laws
The health insurance laws in Arizona are designed to give both you and the insurance company adequate rights. Significant regulations placed on individual policies include the guaranteed renewability provision. This makes it impossible for a medical insurer to end your coverage because of an illness.
Having a pre-existing condition in Arizona is not likely to be covered, as companies can decide to issue a permanent exclusion period. This means they will pay for no expenses that treat your condition, and you are forced to pay entirely out-of -pocket.
Insurance companies in Arizona are required by law to let you renew your policy at the end of a term, so long as you have not done anything that would cause your plan to be terminated.
You may also buy temporary medical insurance for time periods that you are not covered by a plan. For these times, insurers in Arizona offer conversion policies to serve as a temporary policy. To qualify, you must have been receiving benefits under a group health insurance plan that are no longer available to you. You may apply no later than 31 days prior to ending benefits.
Arizona Health Insurance Resources
Arizona Health Care Cost Containment System (AHCCCS) is Arizona’s Medicaid agency that offers health care programs to serve Arizona residents. Individuals must meet certain income and other requirements to obtain services. To be eligible, it helps to live in Arizona, as all Arizona residents can apply. If you are under age 18, you may apply for yourself and your children. However, if you are living with a parent(s), you must include your parent(s) as part of your household. You can apply for a person or household as their representative. You can have someone else apply for you as your representative.
There are quite a few choices with AHCCCS, but the only differences in the plans is the network. A list of the plans and who can apply is here. Currently, the Arizona Kid Care program is capped out.
Risk Pools – As of 2010, Arizona enrolled in the national PCIP program which East Coast Health Insurance does enrollments. They do not have a state risk pool.
Overview of Arizona Health Insurance Market
- Low occurrence of smoking statewide
- Low occurrence of accidents or preventable hospitalizations
- Low rates of cancer and cardiovascular mortality
- High rate of children living below the poverty line
- High rate of residents without health insurance coverage
- Low high school graduation rate
- Nearly 1.2 million people in Arizona are obese, 453,000 more than 10 years ago.
- The number of adults with diabetes has more than doubled in the last ten years; 543,000 adults now have diabetes.
- In the past year, the percentage of children in poverty declined from 31.3 percent to 27.3 percent of persons under age 18.
- In the past five years, smoking decreased from 20.2 percent to 13.5 percent of adults; however, 643,000 adults still smoke.
- In the past ten years, the rate of deaths from cardiovascular disease decreased from 292.0 to 218.3 deaths per 100,000 population.
1.Kaiser Family Foundation, “Arizona – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Health Insurance Regulations State-by-State”. www.healthinsuranceindepth.com