Individual & Family Plans
PPO HMO HSA
Let's work together
Would you like to discuss your situation over the phone with a local, trusted and experienced independent insurance broker whose best interests align with yours?
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If so, please call me so we can discuss your situation and make an informed decision together. Once we determine the best plan for you and/or your family, I will complete your enrollment online with you on the phone ensuring it is done properly and accurately.
Pro Tip - Understanding how to properly apply for the premium subsidy is the hardest part of the entire enrollment process for many. Here is How to Predict Income for Premium Subsidies before enrolling to make everything go much quicker, easier and get the most accurate premium subsidy.
2025 Plan Information
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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.
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Qualifying for Premium Subsidies may greatly reduce your monthly rates on the Market Place.
Ambetter
Open Access HMO - No PCP/Referrals Required
Banner/Aetna
Open Access HMO - No PCP/Referrals Required
BCBSAZ
PCP/Referral HMO - (Health Choice HMO)
Open Access HMO (Focus & Neighborhood Network)
Statewide PPO
Cigna of
Arizona
Open Access HMO - No PCP/Referrals Required
OSCAR
Open Access HMO - No PCP/Referrals Required
United Healthcare
PCP/Referral HMO
Short Term Medical Plans
These Limited PPO plans can provide affordable PPO "gap" coverage for up to 4 months.
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This is largely because:
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They do not cover Pre-existing Conditions, Maternity, Preventive Care, or Retail Prescriptions.
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These plans are medically underwritten (see Eligibility Questions to qualify)
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They offer more limited coverage than ACA compliant plans.
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A good option for generally healthy people looking for a Short Term PPO health plan.
(Please review Brochures for both Benefits and Limitations)
Allstate Health Solutions
Short Term Medical Plans
For coverage up to 4 months
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Uses the Nationwide Aetna PPO network
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$50 Copay plus coinsurance for Urgent Care
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Free Unlimited Telemedicine Benefit
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Coverage period maximum of $1 Million on Enhanced PPO