Arizona Health Insurance

Arizona has lately become both a popular retirement destination and a great place for snowbirds to start businesses in the low-tax desert sun. As such, Arizonans are using more health care resources every year, for aging seniors in need of continuing care and for Arizona’s large professional workforce and growing families. That’s why The Simple Dollar has put together a wealth of relevant information, stats, and resources for Arizona residents to access in one simple place. Read on to learn more about health insurance in Arizona.

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Stats in Your State

Understanding how your health insurance premiums compare to others in your state is a great first step to gauging whether you’re paying too much for health insurance. Check out the following graphs to see what the insurance rates are in Arizona compared with the U.S. average and other states.

Chip Medicaid

Nearly 950,000 Arizona children were enrolled in government administered health care plans in 2009, and by 2010 that number had climbed to 990,000 between CHIP and Medicaid.

Individual Health Insurance Premiums

At $1,141 per month, Arizona’s health insurance costs were slightly higher than the U.S. average in 2011, and higher still than nearby states in the Southwest, save for New Mexico.

Family Health Insurance Premiums

Families in Arizona cost an average of $4,767 per month in premiums to insure on employer-based health care plans in 2011, which put Arizona roughly $800 higher than the national average and costlier than its neighbors in the Southwest.

SAHIE Health Insurance Uninsured

Between 2005 and 2010, the Census Bureau estimates that roughly 1,100,000 Arizona residents went without insurance on a yearly basis, underlining the need for affordable health care in Arizona.

Rules in Your State

Understanding the rules for health insurance in Arizona is a crucial step to making the most of your health insurance plan and making sure you get the right treatment for your coverage. Check out the links below to learn more about health insurance regulations in Arizona.

Arizona Alcohol & Health Insurance Laws

Alcoholism is a serious problem in many Southwestern states, and unfortunately Arizona laws do not mandate that health insurers cover or treat alcohol-related disorders on an equal basis as other diseases and sickness.

Losses Due to Intoxication

Arizona law permits health insurers to deny benefits for losses due to intoxication.

Health Insurance Parity for Alcohol-Related Treatment

  • Arizona health insurers are not required to offer or provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
  • Health plans covering alcohol-related disorders may be subject to higher deductibles, higher premiums, and restrictive limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Additional Health Insurance Rules in Arizona

Health Insurance Benefits Mandated by Arizona Law

Arizona Law mandates specific benefits that health insurance plans must offer in the state. Click the link above to make sure you’re covered for the required benefits.

Prohibited and Unfair Trade Practices

If you suspect your insurer is treating you unfairly, you should read through the prohibited trade practices listed in the link above. If you’re unsure, or if you see that your insurer has treated you unfairly, you should consult with an attorney.

Arizona State Legislature – Title 20: Insurance

Title 20 of the Arizona legal code regulates insurance companies and their acts and practices. Use the link above to learn more about how insurance companies must operate in Arizona.

Representatives & Resources in Your State

To contact your local government, learn more about how insurance works, or file a complaint against an insurer, you’ll find all the resources you need in an easy format below.

Arizona Department of Insurance
Consumer Affairs Division
Arizona Department of Insurance
2910 N. 44th Street, Ste. 210
Phoenix, AZ 85018-7269
FAX: 602-364-2505
Contact Information
Get Directions
Consumer Guide to Individual Health Insurance in Arizona
The Department of Insurance has put together a useful guide to different types of health insurance plans in Arizona, so that consumers can learn more on their own and become empowered with knowledge.
Consumer Complaint Resource
If you’re in need of consumer advocacy against a difficult insurer, use the link above to file a complaint against an insurer for unfair practices or difficult claims handling.

Arizona Department of Health Services (ADHS)
150 North 18th Avenue
Phoenix, Arizona 85007
(602) 542-1025
ADHS Contact Information Page
Get Directions
The Department of Health Services aims to guarantee the safety and wellness of at-risk youth and special-needs adults to ensure every Arizona resident’s rights are maintained.

Affordable Care Act Information for Arizona
The Affordable Care Act’s changes to national health regulations in 2014 and 2015 will have a profound impact on health insurance policies across the country, and Arizona is no different.
Department of Insurance Health Care Reform Information
Click the link above for the Department of Insurance’s overview of how the Affordable Care Act will affect health care in Arizona.

Arizona Health Care Cost Containment System (AHCCCS)
801 E. Jefferson Street, MD 4100
Phoenix, AZ 85034
(602) 417-4000
Get Directions
The AHCCCS is Arizona’s Medicaid agency, which provides a resource for Arizona residents to find government funded health insurance coverage.

Arizona KidsCare Children’s Health Insurance Program (CHIP)
Arizona KidsCare Office
801 E. Jefferson, MD 7500
Phoenix, AZ 85034
(602) 417-5437
Get Directions
A branch of the AHCCCS, the KidsCare program offers health insurance coverage for children of low-income families. To find out if your child or family qualifies, click on the link above.