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Arizona health insurance exchange

arizona guide to health insurance

Arizonans show continued preference for gold, platinum plans

By
March 31, 2014

About 57,600 Arizonans selected a health plan through HealthCare.gov between Oct. 1 and March 1, which is below the federal government’s target of about 84,000 enrollments during that timeframe. An additional 67,000 people qualified for Medicaid or the Children’s Health Insurance Program (CHIP).

Continuing a trend seen in earlier months, Arizonans showed a greater preference for higher premium/lower deductible plans than the national average. In Arizona, 17 percent selected gold plans and 17 percent selected platinum plans; nationally, the figures were 11 percent and 6 percent, respectively. Premiums in Arizona are lower than in many other parts of the country, which is likely a factor in the tilt toward higher end policies. Nineteen percent of those who have enrolled in a health plan are between the ages of 18 and 34, and an additional 19 percent are 17 or younger.

 

March 31 is the last day to apply for private health insurance coverage for 2014. However, federal officials announced that anyone who has started an application on HealthCare.gov but not completed it as of March 31 can have until April 15 to finish enrolling. The extension is available in Arizona and all other states using HealthCare.gov for enrollment. Consumers can qualify for the extension just by clicking a box on HealthCare.gov; no documentation is needed.

Enrollment for Medicaid or CHIP continues throughout the year.

Individuals who remain uninsured after March may face a tax penalty of $95 or one percent of income, whichever is greater.

Arizona is among the 26 states that opted to use the federal health insurance marketplace, HealthCare.gov. While Republican Gov. Jan Brewer signaled a preference for a state-run health insurance marketplace, she ultimately chose the federally operated exchange for her state. In her letter informing the federal government of her decision, Brewer said the state had made significant process toward establishing its own exchange. However, she continued, a lack of information from federal officials made it impossible for the state to commit to implementing its own exchange.

Eight insurers are selling policies through the federal marketplace in Arizona: Aetna, Blue Cross Blue Shield of Arizona, Cigna, Health Choice, Humana, Health Net of Arizona, and Meritus Health Partners. Together, they are offering more than 100 plan options.

Marketplace premiums for Arizona residents are lower than the national average. According to an HHS report, the average cost for a bronze plan — the tier with the lowest premiums — in Arizona is $214 a month. The national average for a bronze policy is $249 a month.

According to HHS, about 948,000 Arizona residents are uninsured and eligible to use the marketplace. About 300,000 of those individuals will qualify for the expanded Medicaid program, which was passed by the Legislature with some Republican support and approved by Brewer.

The Medicaid decision allows people earning less than 138 percent of the federal poverty level — about $15,000 for an individual — to gain health coverage. Some Republican legislators and conservatives challenged the expansion. They first launched a petition to put the Medicaid expansion on the November 2014 ballot. The referendum push failed, prompting a legal challenge. The suit claimed that because the tax plan to fund the state’s portion of expansion costs was passed with less than a two-thirds majority, it was unconstitutional. Oral arguments were made in mid-December, and a judge dismissed the case in early February. However, the Goldwater Institute (the conservative group that filed the lawsuit) announced it will appeal.

Arizona health insurance exchange links

HealthCare.gov
800-318-2596

Cover Arizona

Arizona Department of Insurance: Health Insurance Exchange

Office of Health Insurance Exchange

State Exchange Profile: Arizona
The Henry J. Kaiser Family Foundation overview of Arizona’s progress toward creating a state health insurance exchange.

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Voice your concerns to your
Arizona elected officials

tell your elected officials

Let your Arizona governor and legislators know how you feel about the state’s proposed health insurance exchange.

Arizona Governor Jan Brewer
1700 West Washington
Phoenix, Arizona 85007
PHONE: (602) 542-4331
FAX: (602) 542-1381
Contact by e-mail
Contact your Arizona State Senator and State Representative