ACA Health Insurance Costs in Arizona for 2027: What Changed and What to Do

ACA health insurance costs in Arizona are heading up again for 2027. The enhanced premium tax credits that held down marketplace premiums from 2021 through 2025 have expired, and the rate requests insurers filed for 2027 are large. Here is where things stand, based on the latest public information, and what you can do before open enrollment.

What Happened to the Enhanced ACA Subsidies

The enhanced premium tax credits were created by the American Rescue Plan Act and extended by the Inflation Reduction Act through December 31, 2025. Congress did not extend them before they expired. In January 2026 the House passed a three-year extension (H.R. 1834) by a vote of 230 to 196, but as of late September 2026 the bill has not passed the Senate and no floor vote is scheduled.

Because the extension has not become law, plan to budget for 2027 as if the enhanced subsidies are not coming back. If that changes, I will update this page.

Arizona 2027 Rate Requests

According to azfamily’s August 2026 report, seven Arizona marketplace insurers asked for 2027 rate increases ranging from 3.26% to 33.90%. These are proposed rates and are still subject to state and federal review, so the final numbers may differ. The same report says 357,144 Arizonans selected marketplace coverage for 2026, down from 423,025 the year before.

What you actually pay depends on your plan, your county, your age, and your income, so one average number does not tell you much. The only reliable way to know is to compare the actual 2027 plans for your household.

Who Is Most Affected

• Households above 400% of the federal poverty level: with the enhanced credits gone, the income cap on premium tax credits applies again, so many middle-income households and early retirees can lose their subsidy entirely.
• Lower- and middle-income households: still qualify for credits, but they cover a smaller share of the premium than they did under the enhanced rules.

Key Dates for 2027 Coverage

Per HealthCare.gov, open enrollment starts November 1. Enroll or change plans by December 15 for coverage that starts January 1. The final deadline is January 15, and plans chosen after December 15 start February 1. Outside that window you generally need a qualifying life event.

What Arizona Residents Can Do Now

• Do not auto-renew without comparing. Your plan’s premium, deductible, and network can all change for 2027 even if the plan name stays the same.
• Update your income estimate. The credit you receive is based on your expected 2027 income, so an out-of-date number can mean a surprise at tax time.
• Check your doctors and prescriptions against each plan’s network and drug list before you choose.
• Look at alternatives. Depending on your health and situation, an off-exchange PPO or another option may fit your budget better than a marketplace plan. Read more on my health insurance page, or see the answers on my Arizona health insurance FAQ.

Get Help Comparing ACA Health Insurance Costs in Arizona

I’m Andy Orlikoff, an independent Arizona health insurance broker in Surprise, AZ. I compare marketplace plans, off-exchange PPOs, and alternatives, and my help costs you nothing.

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