- September 23, 2022
- Posted by: Chad Lehrman
- Categories: Arizona Health Insurance, Arizona ObamaCare
The Arizona 2022-2023 ObamaCare Open Enrollment season is coming up soon and we at Lehrman Group can make sure you get the right Arizona Obamacare plan for your circumstances.
Enroll November 1, 2022 – January 15, 2023
The first day that you can apply for an ACA (Affordable Care Act, also called ObamaCare) plan is November 1st, 2022 – the last day will be January 15th, 2023 unless the government extends it longer. If you enroll by December 15th, your coverage will begin on January 1, 2023. If you enroll between December 16 and January 15, your plan will begin on February 1.
Arizona ObamaCare health insurance plans will be available from several insurance companies. Among them are Aetna/Banner, Ambetter, Blue Cross Blue Shield of Arizona, Cigna, Medica, Oscar, and United HealthCare. Not all companies are offering their plans in all Arizona counties. Bright Health has exited the AZ market and their plans will end on December 31, 2022.
Obamacare Providers by Arizona County:
- Maricopa: Ambetter, Banner/Aetna, BCBS, Cigna, Medica, Oscar Health, United Healthcare
- Pima: Ambetter, Banner/Aetna, BCBS, United Healthcare
- Pinal: Ambetter, Banner/Aetna, BCBS, Cigna, Oscar Health, United Healthcare
- Graham, Greenlee, Santa Cruz: Ambetter, BCBS
- Gila: Ambetter, BCBS, Cigna
- Yavapai: BCBS, Cigna
- Apache, La Paz, Mohave, Navajo: BCBS
- Yuma: Banner/Aetna, BCBS
- Cochise, Coconino: Ambetter, Banner/Aetna, BCBS
2023 AZ Obamacare Maximum Out of Pocket
For the 2023 policy year, your maximum out-of-pocket exposure on an Arizona Obamacare plan is $9,100 for an individual, and twice that, or $18,200, for a family. Maximum out-of-pocket means that no matter how much your medical bills are during 2023, even if they total millions of dollars, you won’t pay more than $9,100 for one person or $18,200 for a family. That’s still an incredibly large amount of money for almost everyone to have to face, but that’s the rule for 2023 ObamaCare plans. Depending on your household income, you may qualify for a “cost sharing reduction,” a discount which lowers the deductible, copays, and max out of pocket on Silver plans.
Many plans give you co-pays for things like doctor visits, prescriptions, blood tests, specialist visits, urgent care, etc. Everything you spend for those counts toward your out-of-pocket maximum. On most plans, you’ll never reach your out-of-pocket maximum unless you are hospitalized. You could go to the doctor every day and pay just a co-pay each visit on most plans, and never have to think about that $9,100 possibility.
Obamacare plans are required to cover preventive care at 100%, including well-woman visits and child immunizations. They are also required to cover 10 essential health benefits, including maternity care, mental health, and substance abuse treatment.
Save Money with Premium Tax Credits and Non-Obamacare Plans
Depending on your income, you may qualify for a monthly tax credit that makes your plan cheaper. However, if you don’t qualify for a tax credit, there are other non-Obamacare plans available that might be a less expensive alternative for you. Those plans do not cover pre-existing conditions, but have access to a very large nationwide network and may be a very good option for you if you are in good health.
Get No-obligation Free Health Insurance Rates and Find Your Best Option
To get health insurance rates emailed to you for free, visit our rate request page at lehrmangroup.com/arizona-health-insurance-plans and fill out the form you’ll find there. We’ll email you no-obligation rates, usually within one hour. Or call us from anywhere in Arizona at (800) 600-9663 and we can give you rates over the phone. Lehrman Group does not charge you any fees of any kind at any time. We’ve been offering health insurance plans in Arizona since 1988. Whether you live in Phoenix, Tucson, Flagstaff, Yuma, Prescott or anywhere in Arizona, we can help you get the right plan.