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Obamacare in Arizona

In Arizona, the Affordable Care Act, or Obamacare, has created opportunities for more residents in the state to obtain affordable healthcare. Currently, Arizona has 205,666 residents who have accessed and enrolled in health coverage, some for the first time. Nearly 11.7 million U.S. citizens have selected plans thus far, with at least 75 percent of applicants qualifying for a $155 subsidy. The number of uninsured residents in Arizona has decreased by more than three percent since the inception of Obamacare. New guidelines allow parents to keep their children under parental coverage until the age of 26, which allows approximately 2.3 million young Americans to remain insured instead of have going without. More information about AZ Obamacare can be found below in the following topics:

  • Did Arizona accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Arizona?
  • Eligibility for Obamacare in Arizona
  • How to apply for Obamacare in Arizona
  • Health plan cost and availability in Arizona

Did Arizona accept the ACA Medicaid expansion?

The ACA Medicaid expansion in Arizona was adopted as a way to offer additional healthcare opportunities to individuals and families who were still not able to afford healthcare, but financially did not qualify for subsidies. Under the Affordable Care Act Medicaid expansion, the poverty line was increased to 133 percent below the average for the resident’s area, allowing more families to qualify for assistance. 

“What is the expansion of Medicaid?” is the question most asked in regards to the expansion and whom it will cover. In Arizona, on average, a family of four making $32,253 a year would qualify healthcare under the Medicaid expansion. As a modification from previous ACA guidelines, the expansion now covers non-elderly applicants as well as candidates who do not have children. 

Obamacare Medicaid expansion in AZ has provided, as of January 2015, approximately 280,546 applicants access to Medicaid or CHIP coverage. Currently, CHIP is no longer accepting enrollment due to lack of funding. Nearly 11.2 million Americans are enrolled in these programs across the U.S. The Obamacare Medicaid application can be downloaded online and printed out, or it can be obtained at the Division of Family Resources. Applicants who are concerned about AZ Obamacare Medicaid eligibility can call the Family Resource Division to ask any relevant questions.

What is the Obamacare Medicaid expansion used for in AZ? The expansion act was enacted by Congress when it was established that families living in extreme poverty were unable to afford even the smallest healthcare co-payments. The Obamacare Medicaid expansion details included a larger percentage of people who would qualify for benefits, and offers free care for those who were eligible.

The ACA Medicaid expansion cost to states caused many states to consider whether or not to accept the expansion.

Does the state or federal government run the health insurance exchange in Arizona?

What is the health insurance exchange in Arizona? In each state an online Obamacare healthcare marketplace was established to offer residents a way to quickly evaluate and sign up for a healthcare plan. What is the marketplace for health insurance? The Obamacare health insurance exchange, also called the healthcare marketplace, is a place where Arizona residents can compare health insurance plans, determine what subsidies they qualify for, and then select the plan that best suits the applicant’s needs.

In Arizona, the health insurance exchange regulations and the healthcare exchange site is maintained and operated by the federal government, who is responsible for its maintenance implementation in the state of Arizona. The advantage to federal implementation and management is that the applicant can be assured that all plans offered through the exchange are within federal and state guidelines.

Eligibility for Obamacare in Arizona

Who is eligible for Obamacare in Arizona? When it comes to how to qualify for Obamacare in Arizona, there are two ways for applicants to become eligible. Obamacare income requirements are needed in order to determine qualifications for subsidies, if any. The other Obamacare coverage eligibility requirements include household size, U.S. citizenship, and background records. Arizona residents who are currently incarcerated are not eligible for Obamacare.

What are the requirements to apply for Obamacare in Arizona? The following section will discuss the various documents required to apply for Obamacare, as well as which applicants are considered for subsidies and what to expect when using the healthcare exchange.

How to Apply for Obamacare in Arizona

Obamacare candidates applying for healthcare in Arizona will need to learn how to enroll in Obamacare before submitting their application. Some of the more frequently asked questions about Obamacare include, “What is needed to sign up for Obamacare?” and “Can I apply online for Obamacare?” First, the applicant will need to decide where to apply for Obamacare, whether that is in person, over the phone, online, or by mail. Then, the applicant will need to gather supporting documents to have on hand when filling out the forms.

Obamacare candidates who are confused about how to apply for Obamacare insurance should know that they will have to present the following documents along with the application form:

  • Paystubs or tax returns
  • Social security numbers and cards for all household members
  • Information about the household demographics
  • Previous health insurance policies
  • Any other government aid paperwork

The above list answers the question, “What do I need to apply for Obamacare in AZ?” but additional documents, such as birth certificate for all adult household members, may be requested on a case-by-case basis. Candidates who have difficulty trying to figure out how to get Obamacare by online application can call the AZ marketplace hotline to receive assistance. Applicants should be ready to provide information about their citizenship status, income, and household.

Health Plan Cost and Availability in Arizona

Arizona offers Obamacare health insurance plans costs at varying rates through four different carriers. Four plan levels are offered: Platinum, Gold, Silver, and Bronze. Each tier covers a varying percentage of the costs, with the premium being highest for the Platinum plan. Catastrophic insurance is offered to those under the age of 30, only. Between the four carriers, there are at least 71 health plans offered. How much does Obamacare cost in Arizona?

Obamacare health insurance plans costs are determined by an individual’s own personal statistics and situation.  Information provided through the marketplace app, or by filling out the application with a registered marketplace negotiator, will determine the plan’s costs. “How much will Obamacare insurance cost me in AZ?” many ask. As a ballpark figure, a family of four, making $35,000 a year, living in Phoenix, would pay $109 a month with the Silver level plan. Without the subsidy the plan would cost $619 a month.