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Health & Dental Insurance in Arizona
Affordable Coverage for You and Your Family
Your health matters — and so does your wallet. Whether you’re self-employed, between jobs, or shopping for a family plan, finding the right health and dental coverage in Arizona shouldn’t be confusing.
At Insurance Professionals of Arizona, we help individuals, families, and small businesses compare trusted carriers and custom plans — so you get the protection you need at a price that fits your life.
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If you would like immediate assistance, please call
- 480-981-6338
Why Health Insurance Still Matters
(Even if You’re Healthy)
Skipping coverage might save money today — but one unexpected hospital visit could cost thousands.
Emergency room visits average $2,200–$3,500+ without insurance.
Preventive care and checkups are often 100% covered under major plans.
Most policies include mental health and telehealth services.
Health insurance protects your savings from surprise medical bills.
- Even a basic plan can keep a small injury from becoming a financial crisis.
Types of Health Insurance Plans in Arizona
Every situation is different. Here’s a quick guide to the most common types:
| PLAN TYPE | WHAT IT MEANS | BEST FOR |
|---|---|---|
| Individual Health Insurance | Plans you buy on your own or through the ACA Marketplace. | Self-employed, freelancers, or people without employer coverage. |
| Family Health Insurance | Covers spouses and dependents under one policy. | Households needing predictable coverage. |
| Group Health Insurance | Employer-sponsored plans for small or mid-size businesses. | Business owners or employees. |
| Short-Term Health Plans | Temporary coverage (1–12 months). | People between jobs or waiting for new coverage. |
| Medicare Supplement Plans | Adds extra coverage to Original Medicare. | Seniors and retirees seeking fewer out-of-pocket costs. |
Understanding Dental Insurance in Arizona
Dental care isn’t cheap — but it’s essential for overall health.
Typical Arizona dental plans include:
Preventive Care:
Cleanings, exams, X-rays (often 100% covered).
Basic Procedures:
Fillings, simple extractions.
Major Procedures:
Crowns, root canals, dentures (partial coverage).
Orthodontics:
Usually optional or available with premium plans.
- Tip: Routine dental visits prevent expensive emergency work — most plans cover two cleanings a year.
What Health & Dental Insurance Usually Doesn’t Cover
To avoid surprises, make sure you understand the exclusions:
- Cosmetic dental work (whitening, veneers).
- Experimental or elective medical procedures.
- Out-of-network care without prior approval.
- Pre-existing conditions (on some short-term plans).
- Medical travel or elective surgeries abroad.
How to Save on Health and Dental Insurance in Arizona
To avoid surprises, make sure you understand the exclusions:
Comparing plans annually
carriers adjust rates each year.
Using tax credits (ACA Marketplace)
if you qualify for subsidies
Choosing in-network providers
for lower negotiated rates.
Bundling health + dental
under one carrier.
Adding preventive care riders
for long-term savings.
IPA Helped Me Switch To A Better Health Plan And Saved $120/Month — They Even Explained The Dental Add-Ons Clearly. 
Client in Gilbert, AZ
- Find the Right Plan for You
- 480-981-6338
Why Choose Insurance Professionals of Arizona
- Independent Broker
We compare 40+ health and dental carriers, including Blue Cross Blue Shield, UnitedHealthcare, and Delta Dental.
- Local Experts
We understand Arizona’s unique market — from Mesa to Flagstaff.
- Personal Guidance
Get real advice from licensed agents, not call-center scripts.
- Award-Winning Service
1,000+ 5-star Google reviews and multiple “Best of Mesa” awards.
FAQs About Health & Dental Insurance in Arizona
View All
Q1: How much does health insurance cost in Arizona?
On average, individual plans cost $350–$550/month depending on age, coverage level, and subsidies.
Q2: Does dental insurance cover braces or Invisalign?
Some plans include orthodontic coverage or offer an add-on rider for an additional cost.
Q3: Can I get health insurance if I’m self-employed?
Yes. You can buy coverage through the ACA Marketplace or a private carrier with IPA’s help.
Q4: What’s the difference between HMO and PPO plans?
HMO = lower cost, smaller network, requires referrals. PPO = higher cost, more flexibility.
Q5: When can I enroll in a new plan?
Open enrollment typically runs November–January, but special enrollment periods apply for major life changes.
Get a Free Health & Dental Insurance Quote
Compare plans. Understand your options. Protect your family’s health and your financial future.
- Find the Right Plan for You
- 480-981-6338
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IPA 2022 Recognition & Awards
