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Arizona Health Insurance Plans

There are many different health insurance plan designs in Arizona. Some of the basic types of AZ health insurance plans are copay plans, deductible only plans, and Health Savings Accounts (HSA’s). Here is a simple breakdown of each:

Copay Plans – These are the most common types of plans and are considered the traditional types of plans that many are accustomed to having through their employer. These plans usually come with copays of anywhere from $10 to $50 for things like office visits to the Doctor and prescription drugs. These plans still have deductibles but the deductible does not have to be met for anything that the copay covers but for things the copay does not cover like surgery, lab fees, a stay in the hospital, etc.

Deductible Only Plans – These plans are similar to copay plans in that they have a deductible but they differ in that the plan holder must meet the deductible for every expense whether it is a Doctor’s visit or a prescription in order for the expense to be covered. These plans are nice because they are generally cheaper than copay plans and can be a nice way for cost conscious Arizona health insurance shoppers to save.

Health Savings Accounts – Health Savings Accounts or HSA’s are much like the deductible only plans except that they have higher deductibles and they also have some key tax benefits. There are two components to the HSA; the insurance portion and the savings account portion. The insurance portion is 100% coverage for most everything once the plan deductible is met (no copays or coinsurance). The savings account portion has many tax benefits that can be quite attractive to almost all taxpayers.

Take 30 seconds and compare the different AZ health plans and their monthly premium cost from multiple Arizona health insurance companies by requesting freeArizona health insurance quotes now!

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