Medicare Advantage Plans in Arizona 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Arizona is one of the most competitive Medicare Advantage markets in the country, driven by its large and growing retiree population. The Phoenix and Tucson metro areas each offer 30 to 50 or more plan options every year. Humana, UnitedHealthcare, Aetna, and Blue Cross Blue Shield of Arizona all compete here aggressively.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Arizona.
What to Look for in a Arizona Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Arizona
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Arizona
Arizona's large retiree population has created strong Medigap competition and generally favorable pricing. Plan G is particularly popular among Arizona snowbirds who travel or split time between states, since it covers any Medicare provider nationwide.