Affordable Care Act Plans in Phoenix, Arizona

A.C.A. qualified plans are available during the annual open enrollment period (November 1st thru December 15th) or throughout the year with a Qualifying Life Event (Special Election Period).

Advantages of an A.C.A. Plan:

  • Guaranteed Coverage (no medical questions asked)
  • Pre-existing conditions are covered
  • Potential premium savings based on household income
  • Prescription coverage

Disadvantages of an A.C.A. Plan:

  • HMO networks (no out of network coverage)
  • Premiums could be high based on household income
  • Limited annual enrollment period (must apply between Nov. 1st– Dec. 15th or have a qualifying life event)
  • There are 4 basic types of qualifying life events: loss of health coverage, household changes, residence changes, and other qualifying events, like income changes that may affect your coverage options.
  • See the full list of all qualifying life events. (this link will redirect you to

Currently, the A.C.A. qualified plan options through the Marketplace in Arizona are as follows:

  • If you reside in Maricopa County you will have health insurance plan choices through:
  • Ambetter
  • Bright Health
  • Oscar
  • Cigna

If you reside in Pima County you will have health insurance plan choices through:

  • Ambetter
  • Bright Health

If you reside outside of Maricopa and Pima County your health insurance plan choices are with Blue Cross

Before you apply, it is very important to know the limitations and restrictions on the provider networks with each of these carriers, so let’s discuss your needs so we can find the right plan for you.

Click here to request a call to discuss your health insurance needs

Or feel free to call us at 480-526-9124

Hershenberg & Stone-Walsh Insurance Services, LLC
2131 East Broadway
Suite 29
Tempe, AZ 85282
Office: (480) 526-9124
Fax: 602-218-4461