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Marketplace health plans in Santa Cruz County, AZ — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Santa Cruz County, Arizona has 64 Marketplace health plans from 5 insurers: 22 bronze, 23 silver, 19 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $597.86 per month; the lowest bronze premium is $468.15.
What changed vs 2026
- Benchmark silver premium up $148.92 a month (+33.2%) from 2026
- 2 more plans than 2026
- Lowest bronze premium up $92.99 a month
Market snapshot
- Residents under 65
- 39,499
- Insurers
- 5
- Plans by metal level
- 22 bronze, 23 silver, 19 gold
- Benchmark silver premium, age 40, before subsidies
- $597.86/mo
- Lowest bronze premium, age 40, before subsidies
- $468.15/mo
- Lowest gold premium, age 40, before subsidies
- $689.68/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $6,000
Insurers in the county
- Oscar Health Plan, Inc. — 22 plans (Bronze, Silver, Gold)
- Ambetter from Arizona Complete Health — 15 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 15 plans (Bronze, Silver, Gold)
- Blue Cross Blue Shield of Arizona — 7 plans (Bronze, Silver, Gold)
- Imperial Insurance Companies, Inc. — 5 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Bronze | Imperial Classic Bronze (85533AZ0010001) | Imperial Insurance Companies, Inc. | HMO | $468.15 | $7,500 | $12,000 | 22 |
| Silver | Imperial Classic Silver (85533AZ0010002) | Imperial Insurance Companies, Inc. | HMO | $580.97 | $6,400 | $10,300 | 23 |
| Gold | Imperial Classic Gold (85533AZ0010003) | Imperial Insurance Companies, Inc. | HMO | $689.68 | $2,500 | $8,600 | 19 |
One plan per metal level shown, of 64 plans in the county.
Benchmark silver premium by age
The benchmark plan (Imperial Insurance Companies, Inc.) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $467.81 | $490.26 | $530.96 | $597.86 | $835.50 | $1,269.62 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.