ACA Marketplace – Arizona 2019 Plans
ACA plans are the ONLY plans offering low income subsidies and that cover pre-existing health conditions…
After 2 years of having just 1 carrier in every Arizona county, we are seeing a rebirth of the ACA with 2-3 new entrants into the 2019 market to join Ambetter. Bright Health, Oscar, and Cigna enter the Maricopa County market (Phoenix), and AZ Blue will join Bright Health in competing for business in Pima County (Tucson).
Each of these companies will be offering an HMO/EPO local network only, and each have their own special features and plans. There are no PPO plans being offered in the AZ 2019 ACA market. See below for the highlights of each carrier.
Overall prices are dropping 3-18% for those who are paying full price for their ACA plan due to having higher income. And in reverse logic, your final 2019 premiums will INCREASE for those who are receiving subsidies. This is due to how the tax credits are calculated, and the amount of your subsidy will decrease by a larger amount, than the premium decreases.