How Much Does Health Insurance Cost in Phoenix, AZ?
Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$412 – $824
+3% vs national average
$412$618$824
LowNational avg: $600High
Phoenix vs State & National Average
| Category | Phoenix | Arizona Avg | National Avg |
|---|---|---|---|
| Average cost | $618 | $617 | $600 |
| Low estimate | $412 | $463 | $450 |
| High estimate | $824 | $802 | $780 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $400 | $480 | |
| Average | $540 | $660 | |
| High estimate | $640 | $800 |
Health Insurance in Nearby Cities
Frequently Asked Questions
How much does health insurance cost in Phoenix?
In Phoenix, AZ, health insurance typically costs between $412 and $824. The average is $618, which is 3% above the national average.
Is Phoenix expensive for health insurance?
Phoenix has a cost-of-living index of 103 (100 = national average). Health Insurance costs are 3% higher than the national average of $600.
What factors affect health insurance costs in Phoenix?
Key factors include local labor costs, cost of materials, market competition, Arizona state regulations, and Phoenix's overall cost of living (index: 103/100). Prices can also vary by season and specific requirements.