Purchasing Arizona health insurance is not very easy however, there are certain ways to cut health costs and not sacrifice quality. If you are a freelancer, a startup, or interested in the cheaper plans we have picked for you the most suitable offers on the state market.
- Learn About the Health Insurance Marketplace
Being among the most outstanding sources of cheap Arizona health insurance Arizona, the Health Insurance Marketplace, or the Exchange is usually worth considering. Core health plans need to agree on all these benefits which include preventive, emergency, and prescription drugs. These plans are categorized into four tiers: That is, Bronze which costs less for insurance but has higher deductibles and limited coverage, Silver which again has limited coverage but a higher premium than the Bronze plan, Gold that has lower deductibles but higher premiums than both Silver and Bronze, and finally Platinum which has high premium, low deductible and is the most comprehensive.
Key Benefit: When applying through the marketplace based on your income, you may also be offered subsidies – known as premium tax credits that will help to lower your monthly premiums. Go to Healthcare.gov anytime during Open Enrollment or search for a SEP if you are in a qualifying life event (married, lost job, etc.).
- Consider Medicaid (AHCCCS)
We have Medicaid here in Arizona, called AHCCCS (Arizona Health Care Cost Containment System), which provides free or very cheap, Arizona Health Insurance to those whose income is less or equal to the poverty level. More people in Arizona could be eligible for Medicaid because the state accepted the expansion under Obamacare.
Key Benefit: Medicaid is nearly comprehensive and costs the patient very little, if any dollars for services such as doctors, hospitals, and prescriptions. To apply one can visit the Arizona Department of Economic Security website or apply through the Marketplace provided you are eligible.
- Short-Term Health Insurance
A type of insurance that only covers a limited period is essential for some people and can cost less than permanent Arizona health insurance. These plans are intended to act as supplementary insurance, for instance, when one is in between two jobs or is waiting for another plan to kick in.
Key Benefit: These plans are cheaper with lower premiums than the ACA-compliant or Obamacare plans. Remember that they can be limited with the list of services that they cover all essential health benefits and the coverage for pre-existing conditions is usually denied.
- Private Health Insurance Providers
While in Arizona, several companies are numerous and affordable and offer premium rates for individuals as well as families. Some of the health plans include; Blue Cross Blue Shield of Arizona, Cigna, UnitedHealth care, and many others that are offered both within and outside the Marketplace. One must compare different providers to be aware of different premiums and the kind of coverage a given company has to offer.
- Seek Help from a Broker
Insurance agents are professionals who will help you to select the best and cheapest health plan. They get to work with many plans and get to assist in comparing the various plans to make sure that you get the best offer. Insurance brokers are not paid like the agents and get paid directly by the insurance company to the brokers.
Conclusion
There are various approaches to the search for cheap Arizona health insurance plans in Arizona. The Marketplace, Medicaid, temporary plans, and private carriers are available to make it possible for you to get the extent of coverage that you desire at a reasonable price.
