Health insurance in Arizona for 2027

In its quarterly report for the period ending June 30, 2026, The Cigna Group says that in April 2026 it “announced its planned exit from the Individual and Family Plans medical business as of January 1, 2027.” (The Cigna Group is a separate company from the Cigna insurance companies that issue these plans, and it isn’t responsible for their financial condition or their obligations under their policies.) KFF’s tracker of insurer changes, updated October 7, 2026, says Cigna “will exit the 11 states in which it currently participates both on- and off-exchange,” and Arizona is on its list. Cigna HealthCare of Arizona filed rates for 2026, but no Cigna company has a 2027 Arizona rate filing on CMS’s rate review site. Your Cigna plan runs through December 31, 2026. After that, whether you bought it on HealthCare.gov or straight from Cigna, plan on a different company’s plan.

In 2026, Cigna sold HealthCare.gov plans in 3 of Arizona’s 15 counties: Maricopa, Pima and Yavapai. They’re HMO plans from Cigna HealthCare of Arizona. In Maricopa and Pima, six other companies that sold HealthCare.gov plans there in 2026 have filed 2027 rates that include HealthCare.gov plans. In Yavapai, two have: Blue Cross Blue Shield of Arizona and Imperial Insurance Companies. A rate filing doesn’t say which counties a company will sell in, so check your county’s 2027 list on HealthCare.gov once open enrollment starts.

Your letters. If you have a HealthCare.gov plan, HealthCare.gov says you should get two letters by November 1: one from your insurance company, and one from the Marketplace, which is HealthCare.gov itself. The insurance company’s letter should say whether your plan is available for 2027 and, if it isn’t, whether the company is offering a similar or alternate plan. Together, HealthCare.gov says, the two letters tell you which plan, if any, you’ve been matched with. The Marketplace’s letter also tells you anything you need to do to keep getting a tax credit. Keep both.

If you do nothing. HealthCare.gov says: “If your company isn’t offering plans for next year, we’ll re-enroll you in a plan with a different insurance company. Your plan doesn’t start until you pay your first monthly premium.” So if that happens, watch for the new company’s first bill and pay it. The federal rule says the Marketplace “may” make that move: where Arizona’s insurance regulator directs, or, if the regulator gives no direction, into a similar plan the Marketplace chooses. CMS’s enrollment manual says it then looks for a plan that covers where you live, at the same level (like silver) and of the same type (like HMO) where it can, weighing which company can take on new members and which plan has the lowest premium. Your doctors and prescriptions aren’t on that list. HealthCare.gov also says that in some cases you won’t be re-enrolled at all.

If you bought your Cigna plan outside HealthCare.gov, the Marketplace won’t move you. It re-enrolls only people it enrolled, and CMS’s standard letter for a plan ending off HealthCare.gov says to pick a different plan by a set date or go without coverage. You can pick one on HealthCare.gov or off it, but only a plan bought through HealthCare.gov can come with a tax credit.

If you miss December 15. Because your plan is ending, you also get a special enrollment period. HealthCare.gov counts a discontinued plan as losing coverage, and gives you 60 days before and 60 days after your coverage ends to pick a new plan. Pick one before your coverage ends and it starts the first day of the month after your coverage ends, so a plan picked by December 31 would start January 1. Pick one later and it starts the first day of the month after you pick. Either way, you may be asked for documents showing the loss, and if you’re new to HealthCare.gov, CMS says you’ll have to send them before you can use the plan. You have 30 days after picking to send them, and if you’re asked and don’t, you won’t qualify. And if you’re already on HealthCare.gov, it may only let you choose from your current plan category, like bronze or silver. Don’t plan around the special enrollment period. December 15 is simpler.

What I’d do now:

• Watch for those two letters and keep them. If you’re asked for proof, you’ll need “documents showing the lost coverage and the date it ends,” in HealthCare.gov’s words.
• Write down your doctors, your hospital and every prescription you take.
• Update your 2027 application on HealthCare.gov, income included. HealthCare.gov says that when the application asks whether you’re losing coverage, you should say you’re losing it on December 31.
• When 2027 plans show up on HealthCare.gov, check each one you’re considering for your doctors and drugs, including any plan you’re matched with, and call your doctors’ offices to ask whether they’ll take that plan in 2027.
• Pick your plan by December 15, and pay the new company’s first bill, so it starts January 1.

If you’re weighing the companies against each other, my comparison of Aetna, Cigna and UnitedHealthcare shows where each one sold in Arizona in 2026.

Arizona uses HealthCare.gov. For plan year 2027, CMS lists Arizona as a federally facilitated marketplace state. I help people in Arizona enroll through HealthCare.gov and HealthSherpa.

Open enrollment starts November 1, 2026. A plan you pick by December 15 starts January 1, 2027. A plan you pick from December 16 through January 15, 2027 starts February 1.

The January 15 end date is contested. CMS gives that date, and so does HealthCare.gov’s own dates page. A federal rule finalized in June 2025 would have ended open enrollment on December 15 instead. A federal district court threw out that part of the rule in June 2026, the government appealed, and the appeals court set argument for October 30, 2026. Until a court changes them, CMS’s dates are the ones that count. My 2027 open enrollment guide follows the case.

These are the seven companies whose 2027 Arizona individual-market rate filings are on CMS’s rate review site, as I read it on October 26, 2026. I’ve left out the price changes they asked for, because those were requests.

Seven companies sold HealthCare.gov plans in Arizona in 2026. Six of them have filed 2027 rates that include HealthCare.gov plans; Cigna is the one that hasn’t. Health Net Community Solutions of Arizona is new on the list, and the plans it filed, which it calls Ambetter Health Solutions, are sold only outside HealthCare.gov, so they can’t come with a tax credit. That’s a different company from Health Net of Arizona, whose HealthCare.gov plans were sold as Ambetter from Arizona Complete Health in 2026. BannerAetna, which sold HealthCare.gov plans in 7 of Arizona’s 15 counties in 2025, sold none in 2026, and no Aetna company is on CMS’s 2027 list.

Not every company sells in every county. HealthCare.gov shows which 2027 plans are offered where you live once open enrollment starts.

Every filing on CMS’s list was still marked “Pending Review” when I read it. CMS said it planned to post final 2027 rates no later than October 30, 2026. I’ll add Arizona’s approved 2027 rates here once they’re posted.

The tax credit that lowers your monthly premium is still there for 2027. Between the poverty line and four times it, the credit is figured so that what you’d pay for your area’s benchmark plan, the second-lowest-cost silver plan, comes to a set share of your income. If benchmark prices go up, the credit goes up with them, though other plans’ prices can still move by more or less. The limit that came back after 2025 is at the top: above four times the poverty line, there’s no credit at all. And starting with 2027, fewer people who aren’t U.S. citizens qualify.

At the bottom, Arizona is different from states that didn’t expand Medicaid. If you qualify for AHCCCS, you can’t get the tax credit for a HealthCare.gov plan, because federal law doesn’t allow the credit for any month you’re eligible for Medicaid. The next section is about where that line falls.

AHCCCS, the Arizona Health Care Cost Containment System, is Arizona’s Medicaid program. Since January 1, 2014, it has covered adults 19 through 64 on income alone, with no monthly premium. AHCCCS lists the limit, effective February 1, 2026, as $1,769 a month for one person and $3,028 for a family of three, which is 133% of the federal poverty line. If you’re close to that line, apply anyway and let AHCCCS decide. If you’re the main caretaker of a child, AHCCCS’s adult page says the child must have health coverage too.

You can apply any time of year: online through Health-e-Arizona Plus, with help from one of the community organizations that use it, or on a paper application from the Department of Economic Security. AHCCCS’s phone numbers are on its how to apply page.

What changes, and when. These come from the federal law passed in July 2025, and AHCCCS has set out the dates:

• October 1, 2026, for people who aren’t U.S. citizens. AHCCCS says that among non-citizens, AHCCCS and KidsCare now cover only lawful permanent residents (green card holders), certain Cuban and Haitian entrants, and people here under the Compacts of Free Association. Refugees, asylees and other humanitarian groups now qualify only for emergency services. If you aren’t a U.S. citizen, check before you count on AHCCCS.
• January 1, 2027: a work requirement for some adults 19 through 64 in AHCCCS’s adult group. In a month, you’ll need an income of at least $580, or 80 hours of work, a job training program or community service (they can be combined), or to be in school at least half-time, unless you’re exempt. AHCCCS says some income plus some hours can count too. AHCCCS’s exemptions include American Indians and Alaska Natives, people who are pregnant or were in the last 12 months, caregivers of a child 13 or younger or of a person with a disability, people with a disability, people with a serious health condition that makes the requirement hard to meet, and people who already meet the work rules for SNAP (Nutrition Assistance) or TANF (Cash Assistance), among others. AHCCCS says it will tell you if the requirement applies to you. If you’re renewing, you only need to meet it in one month since your last renewal; if you’re applying for the first time, AHCCCS looks at the month before you apply.
• January 1, 2027: renewals every six months instead of once a year, for most people in the adult group. AHCCCS says that if you renew in 2026, you stay on a 12-month renewal until your next one in 2027.

AHCCCS says coverage won’t end right away. If it can’t confirm that you meet the work requirement, it will ask you for information and give you 35 days to reply, and a notice that your coverage will end gives you 30 more days and tells you how to appeal. Its help line and live chat are on AHCCCS’s page about these changes.

If you lose AHCCCS only because of the work requirement, don’t count on a HealthCare.gov plan with a tax credit instead. The same federal law counts you as still eligible for Medicaid when it decides who gets the credit.

Children under 19 can qualify for AHCCCS, or, at higher family incomes, for KidsCare, Arizona’s Children’s Health Insurance Program: up to $5,123 a month for a family of three, on AHCCCS’s eligibility chart dated February 1, 2026. A child who has other health insurance can’t get KidsCare. KidsCare can carry a low monthly premium: AHCCCS’s KidsCare page says those premiums “have been stopped until further notice,” but its eligibility chart still lists them, so ask when you apply. If you’re pregnant, AHCCCS’s limit for a family of three is $3,552 a month, with no monthly premium, and the limit goes up for each baby you’re expecting. You can apply any time of year, the same ways as above. Above KidsCare’s limit, your children can be on your HealthCare.gov plan, where the tax credit can help pay for their coverage too.