Health insurance & Medicare · Phoenix, AZ (Maricopa County)
Small-Business Group 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). Group health, dental and vision options for small employers, plus help comparing a traditional group plan with alternatives such as an individual coverage HRA (ICHRA) or QSEHRA. Olive, a licensed agent with Manna Financial Services, helps Phoenix, AZ households compare small-business group health insurance by phone or video, and the first conversation is free.
What matters for small-business group health insurance in Phoenix
9.7% of Phoenix workers are self-employed (U.S.: 9.8%). Owners often need to cover themselves as well as their team, so we look at personal and business coverage together.
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).
- 9.7% of Phoenix workers are self-employed, about the same as the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- 32.5% of Phoenix households include children under 18, above the U.S. figure of 29.8%.
- 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 | Self-employed | Uninsured adults 19–64 | Median household income |
|---|---|---|---|
| Phoenix | 9.7% | 16.8% | $77,041 |
| Los Angeles | 16.2% | 12.9% | $80,366 |
| San Diego | 11.6% | 8.9% | $104,321 |
| San Francisco | 11.8% | 4.9% | $141,446 |
| U.S. | 9.8% | 11.1% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with small-business group health insurance
- Small-group health, dental and vision quotes from several insurers
- Explain contribution and participation requirements
- Compare a group plan with ICHRA or QSEHRA reimbursement
- Employee enrollment support and renewal reviews
Read our full guide to small-business group 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
How many employees do I need for a group plan?
Many small-group plans start at two enrolled employees, one of whom is not the owner or spouse, but rules vary by state and insurer. We confirm the requirements for your situation.
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.
Small-Business Group Health Insurance near Phoenix
Talk with Olive about small-business group health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.