Arizona has seen its population double in the last 3 decades. Continuing to expand and increase, Arizona is struggling with insuring its residents with health insurance. Conservative opposition to expansions in Medicaid have led to many falling out of coverage. In addition, as Arizona is the only state that does not have CHIP (repealed due to budget cuts) lawmakers have exposed poor children to no longer receiving the care and attention they need.
While all of this makes the process of finding health insurance more challenging, it is still possible to find good insurance in the state. As health insurance is required by every individual, getting the best health insurance in Arizona for your needs is crucial. Let’s take a look at the best health insurance in Arizona as well as the worst.
Starting At The Top and Working Our Way Down
Since health insurance became popular in the United States, the best health insurance continues to be the insurance provided through companies to their employees. Often saving on costs through group deals, employers can take out costs of health insurance pre-tax, meaning that the employee saves even more than before. In addition, employer plans typically offer a range, meaning that you can get what you want from what is offered. On the other hand, employer plans can sometimes be limited and not provide what you are looking for.
Highly variable in terms of effectiveness, coverage, and cost is the federally run exchange for health insurance. Providing health insurance for those who are not covered by their employer, this health insurance and how good the health insurance is will depend on what you need, and what you are willing to pay. For some, this is pretty inexpensive. For others it may not be affordable.
A final consideration and lowest on the list of best health insurance in Arizona is Medicare and Medicaid. With conservative elements in the state acting against funding and programs that cover children, health insurance from either government fund is pretty bad. For many, there is no other option as they struggle to make a living and provide for their family. The best way to make Medicare or Medicaid into a functional insurance is to review your options and take advantage of anything offered. With future cuts looming, you should attempt to get problems looked at ahead of time and make full use of things like paid doctor visits.