Health insurance & Medicare · Phoenix, AZ (Maricopa County)
Individual & Family Health Insurance in Phoenix, Arizona
16.8% of Phoenix adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1% (the highest uninsured rate for adults 19 to 64 of the 13 West U.S. communities on this site). Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps Phoenix, AZ households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in Phoenix
Phoenix's uninsured rate for working-age adults (16.8%) is above the U.S. average. If you have been without coverage, Open Enrollment (November 1 to January 15) is the time to enroll; outside it you need a qualifying life event.
Phoenix by the numbers
- 16.8% of Phoenix adults aged 19 to 64 have no health insurance, well above the U.S. rate of 11.1% (the highest uninsured rate for adults 19 to 64 of the 13 West U.S. communities on this site).
- 32.5% of Phoenix households include children under 18, above the U.S. figure of 29.8%.
- About 182,600 Phoenix residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
- The median household income in Phoenix is $77,041, about the same as the U.S. average of $78,538.
Phoenix and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| Phoenix | 16.8% | 9.7% | $77,041 |
| Los Angeles | 12.9% | 16.2% | $80,366 |
| San Diego | 8.9% | 11.6% | $104,321 |
| San Francisco | 4.9% | 11.8% | $141,446 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Arizona
- Arizona residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from Phoenix
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in Phoenix?
No. Olive works with Phoenix and Maricopa County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.