Individual & Family Plans

People with a Qualifying Life Event may enroll with a Special Election Period. 

All Plans include the 10 Essential Benefits


If you are looking for the most comprehensive coverage to include: Pre-existing Conditions, Prescription Drugs, Maternity, Preventive Care and Mental/Nervous, this is it. 

Accepting applications all year long. 

Now offering PPO & EPO coverage up to 3 years!


New Plans with: 

  • Preventive Care

  • Doctor & Urgent Care Copays

  • Limited Generic Rx Copays

  • 24/7 TeleMed Benefits

If you are generally healthy, and don't need or want the most comprehensive coverage, these plans can be a very good and much lowest cost option to consider. 

Currently Updating Site with New Short Term Medical Plans


Short Term Medical Plans

Are NOT ACA Compliant - Learn more here

These basic plans are often less than 50% the cost of ACA/Obamacare plans.


This is largely because:

  • They do not cover Pre-existing Conditions, Maternity, Preventive Care, or Retail Prescriptions.*

                               (*Limited generic drug coverage and preventive services only available on select new plans)

  • These plans are medically underwritten (see Eligibility Questions)

  • They offer more limited coverage than ACA compliant plans.  

A good option for generally healthy people looking for a more basic health plan.

Please review Brochures for both Benefits and Limitations

Available Statewide

National General Insurance

Now offering coverage up to 3 years! *

*1 day less than a full 3 years

  • Choose from Traditional or NEW Enhanced PPO Plans

  • Use any Provider or use their Nationwide Aetna PPO to save money

  • $50 Copay plus coinsurance for Urgent Care

  • Free Telemedicine benefit

  • Coverage Limits up to $5 million of coverage per term


Up to 3 year Short Term PPO Brochure

Eligibility Questions

United Healthcare

Now offering coverage up to 3 years!

New TriTerm Policies - For Coverage up to 3 years!*

*1 day less than a full 3 years.

More Comprehensive Benefits options to include:

  • Preventive Care

  • Dr. and Urgent Care Copays

  • Limited Generic Rx coverage

  • Optional TeleMed benefit

  • Coverage limits up to $2 million per term


TriTerm Coverage Brochure

TriTerm Eligibility Questions


Short Term Policies - For coverage between 30 and 184 days. 

  • Uses their nationwide Choice PPO network

  • $75 copay for Urgent Care

  • Coverage limits up to $2 million per term

Short Term Coverage Brochure

Short Term Eligibility Questions

Enroll in ACA/Obamacare

Maricopa and Pima Counties


Ambetter will offer Banner, Honor Health and Abrazo Networks in Maricopa  county. 

And Banner, Carondelet and Tucson Medical Center in Pima county

Maricopa and Pima Counties

Bright Health

Bright Health offers some unique coverage options and "Perks" 

to provide a better value:

  • Urgent Care at Home Benefit

  • Post inpatient surgery meal delivery

  • Pediatric Dental and Vision (up to age 19)

  • Only plan offering Phoenix Children's Hospital 


Maricopa Hospitals: Dignity Health, Abrazo Health, Phoenix Children's 

Pima Hospital ~ Carondelet

Search Providers

Cigna of 


Maricopa County

Cigna centers your care at their medical clinics and uses Banner as their exclusive Hospital Provider.


Maricopa County


OSCAR is a Silicon Valley start up largely funded by Google ~ and it shows.


Placing the user experience on a very slick phone app,

they become your portal to healthcare. 


  • Free Telemedicine benefit with every plan

  • Concierge Service Team for every member

Maricopa Hospitals - Banner, Honor Health and Abrazo

Search Providers

Phoenix Network

Plan Highlights

All Counties (Except) Maricopa


BCBSAZ will continue to sell their HMO plans direct through the Marketplace in 2018. 

Unfortunately I will not be able to sell them in 2019. 

This website is operated by Michael Malasnik, AZ Benefits Connection, LLC DBA and is not the Health Insurance Marketplace website. In offering this website, Michael Malasnik is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on the Qualified Health Plan options in your state, go to the Health Insurance Marketplace website at 

© 2017 by Michael J Malasnik: AZ Benefits Connection, LLC