Arizona Health Insurance Rates 2027: Highest in the U.S.
If you buy your own health insurance through the ACA marketplace, brace yourself: Arizona’s 2027 rates are final now, and the approved weighted average increase is 27.9% — the highest final increase of any state in the country. Not the highest in the Southwest. The highest, period.
These aren’t proposals anymore. The rates were approved in October, they take effect January 1, and open enrollment runs November 1 through January 15.
Arizona Health Insurance Rates 2027: How Bad Is It, Really?
Final approved increases across the country run from about 3% in Vermont up to Arizona’s 27.9%. Regulators in some states cut hard — New York’s insurers asked for 20.6% and ended at 6%. Arizona’s filings were trimmed too, just not by much. The statewide average premium jumps from $688 a month to $880 a month.
Here is each Arizona carrier’s final approved number:
- Blue Cross Blue Shield of Arizona: 24.97% (filed at 29.59%)
- Oscar: 33.9%
- Imperial: 30.08%
- Ambetter / Health Net Community Solutions: 28.0%
- UnitedHealthcare: 28.15%
- Health Net of Arizona: 24.1%
- Antidote: 3.16%
And one carrier is gone entirely: Cigna is leaving Arizona’s individual market on January 1. Its roughly 2,500 members here can’t renew — they have to pick a new plan for 2027.
Roughly 260,000 Arizonans buy their coverage through the marketplace, so this lands on a lot of households.
Why Arizona Got Hit This Hard
The rate filings point to the same national pressures driving up costs everywhere — rising hospital and drug costs (including a surge in demand for GLP-1 weight-loss medications), general inflation, and the expiration of the enhanced federal ACA subsidies, which is expected to push healthier people out of the marketplace and leave a smaller, sicker, more expensive group of enrollees behind. Arizona’s marketplace is feeling all of these pressures more acutely than most other states, which is why our final number sits at the top of the list.
What This Means If You’re Shopping in Arizona
The good news buried in this: roughly 87% of ACA marketplace enrollees nationally qualify for subsidies, and the income thresholds for 2027 subsidy eligibility are actually rising — up to $63,840 for a single person and $132,000 for a family of four. That means a lot of Arizonans facing this 27.9% sticker-shock number on paper may see a much smaller real increase after subsidies are applied — but only if you actually check, rather than letting your plan auto-renew. You can check your own subsidy eligibility directly at healthcare.gov.
Two more reasons not to let this year ride. Blue Cross Blue Shield of Arizona is replacing every one of its ACA plans for 2027 — do nothing, and they pick your new plan for you. And if you’re on Cigna, there is no renewal at all. Enroll by December 15 to have coverage start January 1.
I laid out everything else that’s changing for 2027 open enrollment in Arizona here: https://azhealth.us/2026/10/2027-aca-open-enrollment-arizona/
Want to know what Arizona’s 27.9% increase actually means for your specific plan and subsidy?
📞 Call (623) 742-3878
Free, no-pressure review — as an independent broker, I’ll walk you through your options across carriers before you’re locked into a renewal.
This article is for general educational purposes and is not a comparison of specific plans or an endorsement by the ACA marketplace, Medicare, or any government agency. Figures are Arizona’s final approved 2027 individual-market rates (approved October 2026), as tracked by healthinsurance.org. Updated October 31, 2026 — the original version of this post covered the proposed filings.