Arizona · Licensed Independent Broker · NPN #22255420
Arizona Health Insurance & Medicare, From an Independent Broker
Arizona is one of the country's top retirement and relocation destinations — which makes it a premier Medicare market and a fast-growing ACA marketplace. Philip Smith compares 22+ carriers to find your best fit in Phoenix, Scottsdale, Mesa, Tucson, and statewide. Independent, free, no pressure.
Reviewed by Philip Smith, Licensed Insurance AgentNPN #22255420Updated July 2026
Philip Smith
Licensed Insurance Agent · Licensed in Arizona
NPN #22255420
You reach Philip directly — not a call center, and not a lead form sold on to strangers. Ask as many questions as you want. There’s no cost, and nothing gets signed until you say so.
Coverage for Arizona Residents
Health Insurance
ACA marketplace and private plans for individuals, families, and the self-employed across Maricopa, Pima, and every Arizona county.
Medicare
Advantage and Supplement plans for Arizona's large 65+ population — Phoenix, Scottsdale, Mesa, Sun City, and Tucson.
Life Insurance
Term, whole life, and final expense coverage for Arizona families and retirees planning their estate.
What Makes Arizona's Insurance Market Unique
Arizona draws hundreds of thousands of retirees and winter visitors — Sun City, Scottsdale, Mesa, and the greater Phoenix Valley are among the largest 65+ communities in the U.S. That makes Medicarethe state's defining insurance need, with one of the most competitive Medicare Advantage markets in the country and dozens of $0-premium plans in Maricopa County.
At the same time, Phoenix's enormous service, logistics, and hospitality economy employs hundreds of thousands without comprehensive employer benefits — a large ACA marketplace base where subsidy eligibility is the single biggest factor in what you pay.
Because Philip is independent, he can serve both sides of that market — retiree Medicare and working-age marketplace — without pushing one carrier's lineup.
1.3M
Arizonans on Medicare — a premier Advantage market
230K+
Arizona ACA marketplace enrollees
2.3M
covered by AHCCCS (Arizona's expanded Medicaid)
22+
carriers Philip compares — no fee for his help
Serving the Phoenix Metro & all of Maricopa County
Phoenix, Scottsdale, Mesa, Chandler, Gilbert, Glendale, Tempe, Sun City, and surrounding communities — plus Tucson and every Arizona county. Plan availability varies by ZIP code; Philip pulls exactly what's available at your address.
Explore the Phoenix insurance guideMore Arizona Health Insurance Guides
Affordable Health Insurance
AHCCCS, subsidies, and private plans — the real ways to lower your Arizona premium.
Arizona Health Insurance Guide
The statewide overview — carriers, networks and what coverage actually costs across Arizona.
Medicare in Arizona
Advantage vs. Supplement, enrollment windows, and the permanent Part B late penalty.
Life Insurance in Arizona
Term, whole and final expense compared — what each costs and who each one suits.
TriTerm Medical in Arizona
Extended short-term coverage, available year-round with no open enrollment window.
Small Business Coverage
Cover your team with group, ICHRA reimbursement, or owner-only plans.
Moving to Arizona?
A move opens a 60-day window. Get a plan for your new ZIP with no gap.
Arizona Medicare Plans
Advantage vs. Supplement across the competitive Maricopa market.
Arizona ACA & Subsidies
Banner|Aetna's exit, the returning 400% FPL cliff, and how to replace a discontinued plan.
Snowbird Coverage
Multi-state plans that work in Arizona and back home.
PPO vs HMO vs EPO
Which network type fits your family or team — referrals, networks, and the real cost math.
Arizona Insurance FAQs
Who is the best independent health insurance broker in Arizona?
Philip Smith is a licensed independent insurance broker (NPN #22255420) serving Arizona residents statewide, including Phoenix, Scottsdale, Mesa, Chandler, and Tucson. Because he is independent — not captive to one carrier — he compares plans from 22+ companies across ACA marketplace, Medicare, and life insurance, and recommends whichever fits your situation best. There is never a cost to you; carriers pay the commission.
What health insurance is available in Arizona?
Arizona residents can choose ACA marketplace plans (with income-based subsidies), private off-marketplace plans, Medicare Advantage and Medicare Supplement plans for those 65+, and life insurance. Arizona expanded Medicaid in 2013 and covers over 2.3 million residents through AHCCCS. For those above the Medicaid threshold, roughly 230,000 Arizonans use the ACA marketplace, and 1.3 million are on Medicare — one of the largest Medicare markets in the country given Arizona's retiree population.
Is Arizona a good state for Medicare Advantage?
Yes. Arizona — especially the Phoenix and Tucson metros — is one of the strongest Medicare Advantage markets in the nation, with dozens of $0-premium plans in Maricopa County from carriers like UnitedHealthcare, Humana, Aetna, Cigna, and Blue Cross Blue Shield of Arizona. That said, Medicare Advantage isn't right for everyone: if you're a snowbird who spends summers out of state, a Medicare Supplement (Medigap) plan usually serves you better because it works with any Medicare provider nationwide.
How much does health insurance cost in Phoenix, Arizona?
It depends on your age, income, and plan type. Many Phoenix-area residents who qualify for ACA premium tax credits pay $0–$150/month for a benchmark Silver plan after subsidies. Without subsidies, individual premiums typically range from about $350–$650/month depending on age and plan tier. A licensed Arizona broker will calculate your exact subsidy and compare the plans available at your ZIP code, with no fee to you for the help.
Philip Smith · Licensed Independent Insurance Broker
NPN #22255420 · Licensed in Alabama, Arizona, Florida, Georgia & Ohio · Philip compares 22+ carriers for Arizona residents and tells you exactly what he'd choose in your situation. Free consultation, no pressure — you never pay a fee.
Still not sure which plan to choose?
Philip compares specific PPO, HMO, and EPO plans from 22+ carriers based on your doctors, budget, and ZIP code — in one free call.
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