Arizona Health Insurance
Information about Health Insurance for the State of Arizona
Wonder what it takes to acquire health insurance for you and your family in the State of Arizona? Well here, you will discover all types of information on the qualifications, programs made available, and types of optional coverages that can help protect you medically.
How are family members positioned when applying for different health insurance programs in Arizona?
- Single adult
- Couple – you and your spouse
- Family – you, your spouse and one or more children
- Single parent household – parent and one or more children
- Single child
- More than one child
*The gender and age/date of birth of each person is also required
Tobacco User – For each applicant that is to be insured, please check the box if you are a tobacco user. By default, all applicants are assumed to NOT be tobacco users. This is an important factor in determining your health insurance rate
Arizona is ranked 46th for the healthiest state to live in as quantified by America’s Health Rankings® by the United Health Foundation
Types of Medical Plans in Arizona
Standard Individual & Family Coverage
This type of coverage can be renewable for multiple years and can provide continuous claims of coverage over a long period of time. Most plans of this type cover both major medical expenses (for example: hospitalization and surgeries) and routine medical expenses (for example: office visits and annual exams), subject to deductibles and co-payments or co-insurance.
Short-Term, Up to 12 Months of Temporary Coverage
Short-term health insurance is a temporary health insurance plan (typically between 1 to 12 months) and should NOT be used as a substitute for standard, long-term health insurance.
Short-term health insurance may be right for you if you are:
- Between jobs
- Waiting for coverage from another health plan to start
- Laid off
- On strike
- A recent college graduate
- A seasonal employee
Things to keep in mind when choosing short-term health insurance in Arizona:
- Short-term medical plans are intended as interim or “gap” coverage (for example: for those who know, with certainty, that they will have standard, long-term coverage – or coverage through an employer – at a future date
- Short-term plans are designed to provide protection from unforeseen illness or injury; they are not meant to cover routine exams, preventive care, immunizations, dental or eye care
- Short-term plans are exempt from HIPAA legislation. This means that when issuing a Short-term medical policy, insurance carriers do not have to either guarantee renewal, guarantee issue, or waive the pre-existing condition limitation for federally eligible individuals
- Short-term medical plans provide coverage for a limited time frame only. Once this time frame ends, you may or may not be able to buy additional health insurance, depending on your health at that point in time
*Please note: if you are unsure that you will be receiving long-term health insurance within 12 months, it is highly recommended that you view plans for the standard long-term health insurance plans in case there is a change in your health condition
The State of Arizona is ranked the 31st healthiest state to live in, according to America’s Health Rankings® by the United Health Foundation
To attain a better health insurance plan for you and your family start by getting the most affordable price for the coverage you want. Acquiring different insurance quotes from several companies can help determine the best medical provider to be with.
To start, enter your zip code below and in a matter of minutes, you can have a better understanding of what is available for you and your family.
Sources:
State of Arizona Mandate
Arizona Plans
Health Insurance: Arizona
