Bell Rock Sedona in Arizona
Arizona is among the 25th healthiest states in the US. Not a bad start for policy holders.

For residents of Arizona, the quality of life just keeps improving. The United Health Foundation ranked Arizona has the 25th healthiest state to live in during 2012, which is the highest the state has ever been in 10 years.

Their rates of cancer and cardiovascular disease deaths are some of the lowest and smoking is on the decline. But, don’t let all this good news trick you into believing that residents of the Grand Canyon state can forego health insurance altogether. Even healthy people need health insurance?

Arizona Health Insurance Quotes and Facts

Flag of Arizona state
Your guide to medical insurance in Arizona

At that point, isn’t just an unnecessary expense? Not necessarily. Health insurance is meant to protect you from the worst, just like car insurance is meant to protect you from a severe accident. Just because you’re in good health doesn’t mean you can’t get into an accident or suffer a disease. If you have a family, it’s especially important to purchase Arizona health insurance. Young children need to visit doctors on a regular basis to ensure they’re growing properly and receiving the right nutrition.

If you’re frustrated that you can’t find health insurance for your family at an affordable rate, don’t despair. There are many changes coming in 2014 due to the Affordable Care Act, but what if you need health insurance right now? It’s easy to compare Arizona health insurance quotes online, but if you really want help, consider speaking to a professional insurance agent. Often, insurance agents can place insurance terms into laymen’s terms, which help you analyze your options more carefully.

Take initiative to get the Arizona health insurance policy your family deserves.

Arizona Medical Insurance Statistics

Consider the following statistics about health care coverage in Arizona:

  • Total Arizona Residents – 6,440,854
  • Arizona uninsured residents – 18.92%
  • Total Arizona HMO enrollment – 1,602,458
  • Avg annual employee premium in AZ employer-sponsored plan (after employer contrib): $811
  • Avg AZ hospital cost per inpatient day (before insurance) – $2,039

Source data according to the Kaiser Family Foundation:

  • Health Insurance Coverage of the Total Population, states (2007-2008), U.S. (2008)
  • Total HMO Enrollment, July 2008
  • Average Single Premium per Enrolled Employee For Employer-Based Health Insurance, 2008
  • Hospital Adjusted Expenses per Inpatient Day, 2007

Arizona state government health insurance resources

Seal of Arizona State
Official resources on Arizona health insurance
  • Arizona Department of Insurance health reform information —  This website has helpful information regarding the Affordable Care Act and how state health exchanges will be implemented.
  • Consumer Information from the Arizona State Department of Insurance —  This section of the Department of Insurance site contains research topics for consumers. If you need further information or have any questions, feel free to contact a representative of the deparment: Phoenix Area: (602) 912-8444 Tucson Area: (520) 628-6370 Statewide: 1-800-325-2548
  • Arizona Department of Insurance — This is meant as a resource for anyone participating in a form of health insurance: consumers, insurers and producers can all find very help information right here.
  • Arizona State Department of Health Services —  This is the official government  website for Arizona health care services. The mailing address is:  Arizona Department of Health Services: 150 North 18th Avenue Phoenix, Arizona 85007 To contact department officials and for general and public Information: (602) 542-1000 Fax: (602) 542-0883

The Cost of an Arizona Health Insurance Quote

When it comes to insurance, there’s no such thing as one size fits all. Health insurance is a product that must be tailored to your personal needs. Someone with Type II Diabetes will need a different level of coverage than someone who has Crohn’s Disease. Additionally, an individual that has no current health issues may not need the same form of coverage as a family of six that has three year old twins. Although the options you have right now are standard, personalizing those plans will change how much a premium costs. To satiate a need for ballpark estimates, the Kaiser Family Foundation (KFF) and America’s Health Insurance Plans (AHIP) track health care costs on a state by state basis. Arizona estimates are as follows:

  • Individual Insurance—For those seeking individual coverage, the AHIP study claimed that average prices were $2591 per year. For families seeking coverage in the independent arena, coverage was $4598 per year.
  • Group Health Insurance—This is the more common forms of healthcare. In fact, nearly 50% of the U.S. receives health care through an employer. In Arizona, single individuals paid $811 in annual premiums and for a family, annual premiums were $4136.

Keep in mind that these are estimates. The best way to find affordable insurance is to compare health insurance plans. Once Arizona implements the state exchange website, it will be easier to see which insurance plans fit with your health needs.