ACA health insurance in Arizona
ACA open enrollment in Arizona: November 1 to January 15
ACA open enrollment for 2027 coverage in Arizona: the dates, what decides your price, Medicaid in Arizona, and what to have ready.
The dates
In Arizona, you enroll through HealthCare.gov. Open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027.
Sign up by December 15, 2026 and coverage starts January 1, 2027. Sign up December 16, 2026 through January 15, 2027 and it starts February 1, 2027. Outside open enrollment, you can generally sign up only after a qualifying life event, such as losing other coverage, moving or a change in your household.
What decides your price in Arizona
Your monthly cost depends on the plan you pick, the plans offered where you live in Arizona, who is covered, and your household income for the year. Many people qualify for savings that lower the monthly premium, and the Marketplace decides eligibility when you apply. Update your income estimate every fall so the savings you get match the year ahead.
Medicaid in Arizona
Arizona has expanded Medicaid (effective January 2014). If your income is low, the application may show that you qualify for Medicaid instead of Marketplace savings. AHCCCS (Arizona Health Care Cost Containment System) answers Medicaid questions.
What to have ready
- Names and birth dates for everyone who needs coverage
- Social Security or immigration document numbers for the people applying
- Your estimate of your Arizona household income for 2027
- Details of any job-based coverage anyone in the household could get
- Your current plan's name, if you have one, and the doctors and medicines you use
Checking who you are talking to
Arizona Department of Insurance and Financial Institutions (DIFI) regulates insurance in Arizona. You can use its agent lookup to confirm that anyone helping you enroll holds a Arizona license, and you can ask us for ours at any time.
ACA health insurance in Phoenix, Tucson, and Mesa
We have a page for each of these Arizona cities.
More on ACA health insurance in Arizona
ACA questions in Arizona
When does ACA open enrollment start in Arizona?
Open enrollment for 2027 coverage in Arizona starts November 1, 2026 and runs through January 15, 2027 on HealthCare.gov.
What if I miss open enrollment in Arizona?
Outside open enrollment you can usually sign up only after a qualifying life event, such as losing other coverage, moving or a change in your household. Call us and we can check whether your situation qualifies.
Does my Arizona plan renew on its own?
Usually, yes, but the price, doctors and drug list can change. Review your renewal notice and update your income so your savings are right.
Talk through your Arizona health coverage
Call 855-367-1095 and a licensed agent will go through your household, income and doctors with you before open enrollment ends.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.