QHP Index

Silver plans in Santa Cruz County

22 Silver plans sold in Santa Cruz County, Arizona, from 5 insurers, priced at age 21.

What people in Santa Cruz County actually paid

The prices below are the sticker price. Most people do not pay it. In 2026, the average plan in Santa Cruz County listed at $659 a month and the average person paid $205 after the advance premium tax credit.

413 of the 2,233 people who enrolled here — 18.5% — paid $10 a month or less.

What you pay depends on your income and your household, and only HealthCare.gov can work it out for you. These are the county's published averages, not a quote.

Premiums at age 21: 212730405060

PlanMetalType Premium at 21DeductibleMax out of pocket
Imperial Standard Silver
Imperial Insurance Companies, Inc.
SilverHMO $342.53 $6,000 $8,900
Imperial Preferred Silver
Imperial Insurance Companies, Inc.
SilverHMO $351.28 $7,500 $9,500
Silver Simple PCP Saver
Oscar Health Plan, Inc.
SilverHMO $383.86 $5,750 $9,400
Silver Classic Standard
Oscar Health Plan, Inc.
SilverHMO $384.23 $6,000 $8,900
Silver Simple Diabetes
Oscar Health Plan, Inc.
SilverHMO $389.69 $6,500 $10,000
AZ Blue ACA StandardHealth Silver with Health Choice
Blue Cross Blue Shield of Arizona
SilverHMO $391.82 $6,000 $8,900
Silver Simple Chronic Care CKM
Oscar Health Plan, Inc.
SilverHMO $393.12 $5,900 $10,150
Silver Simple Specialist Saver with COPD
Oscar Health Plan, Inc.
SilverHMO $393.75 $6,500 $9,600
Silver Simple Women's Health with Menopause Benefits
Oscar Health Plan, Inc.
SilverHMO $395.05 $6,000 $10,150
Silver Elite Saver Plus
Oscar Health Plan, Inc.
SilverHMO $415.38 $0 $8,500
Standard Silver
Ambetter from Arizona Complete Health
SilverHMO $446.08 $6,000 $8,900
Complete Silver
Ambetter from Arizona Complete Health
SilverHMO $450.92 $5,950 $8,850
UHC Silver Standard
UnitedHealthcare
SilverHMO $456.03 $6,000 $8,900
UHC Silver Advantage ($0 Virtual Urgent Care, $8 Tier 2 Rx)
UnitedHealthcare
SilverHMO $457.18 $4,500 $10,150
Standard Silver + Vision + Adult Dental
Ambetter from Arizona Complete Health
SilverHMO $457.76 $6,000 $8,900
Complete Silver + Vision + Adult Dental
Ambetter from Arizona Complete Health
SilverHMO $462.73 $5,950 $8,850
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care)
UnitedHealthcare
SilverHMO $468.25 $0 $10,600
UHC Silver Advantage+ ($0 Virtual Urgent Care, $8 Tier 2 Rx, Dental + Vision)
UnitedHealthcare
SilverHMO $471.76 $4,500 $10,150
UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision)
UnitedHealthcare
SilverHMO $482.83 $0 $10,600
AZ Blue AdvanceHealth Silver Focus (4 Free PCP Visits)
Blue Cross Blue Shield of Arizona
SilverHMO $527.59 $7,200 $7,200
AZ Blue StandardHealth Silver Focus
Blue Cross Blue Shield of Arizona
SilverHMO $537.39 $6,000 $8,900
AZ Blue EverydayHealth Silver Focus (1 Free PCP Visit)
Blue Cross Blue Shield of Arizona
SilverHMO $542.75 $7,500 $9,200

Silver is the only level that carries cost-sharing reductions. If your income is under 250% of the federal poverty level, a Silver plan’s deductible and copays drop automatically — often far below what Gold offers for more money. Each plan’s page shows exactly what it becomes.

Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.

Get told when this changes

When next year’s premiums are posted for Santa Cruz County, or an insurer arrives or leaves.

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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. What people actually paid comes from the CMS open-enrollment county public use file for 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.