Arizona Health Insurance Broker Shares What Families Should Check Before the 2027 Open Enrollment Deadline

With Marketplace premiums rising and one insurer leaving the state, Phoenix-area broker Hayden Swann urges families to compare plans instead of letting them renew automatically.

PHOENIX, Ariz. (November 9, 2026): Open Enrollment for 2027 Marketplace health plans is now open in Arizona, and families who buy their own coverage have more to review than usual this year. Hayden Swann, a licensed independent health insurance broker serving the Phoenix Valley, is sharing a simple checklist to help households pick the right plan before the deadline.

Arizona Marketplace premiums are rising by about 28 percent on average for 2027, according to recent reporting by KJZZ. Cigna is also leaving the Arizona Marketplace at the end of 2026, so its members will need to choose a new plan. Six insurers will offer Marketplace coverage in the state for 2027.

“A lot of people let their plan renew without looking, and then find out in January that their doctor is out of network or their deductible went up,” said Swann. “This year the changes are bigger than normal. A short review now can save a family real money and stress next year.”

Key dates for Arizona residents

• November 1, 2026: Open Enrollment started on Healthcare.gov.
• December 15, 2026: Choose a plan by this date for coverage that starts January 1, 2027.
• January 15, 2027: Last day to enroll. Plans chosen after December 15 start February 1, 2027.

What families should check before they enroll

• Do not auto-renew. Plans and prices change every year. Compare your current plan with the other options in your area.
• Check your doctors and hospitals. Make sure the providers you use are still in the plan’s network for 2027.
• Check your prescriptions. Confirm each medication is covered and see what it will cost on the new plan.
• Update your income. Most Arizona Marketplace enrollees qualify for help paying their premiums. Your 2027 income estimate decides how much help you get.
• Look past the monthly premium. Compare the deductible and the out-of-pocket maximum, not just the monthly price.
• Cigna members, act early. If your plan is ending, choose a new one by December 15 so there is no gap in coverage.

“The cheapest monthly premium is not always the cheapest plan,” Swann added. “For a family that sees the doctor often, a plan that costs a little more each month can cost less over the full year.”

Free one-on-one help

Swann helps families and individuals in Phoenix, Gilbert, Tempe, Chandler, Mesa, Glendale and Buckeye compare their options. The process starts with a 15-minute call, followed by a screen share to review quotes together and answer questions. There is no cost to the client for working with him.

Arizona residents can book a call at helpwithhealthinsurance.com or call 480-381-3924.

About Help With Health Insurance

Help With Health Insurance is run by Hayden Swann, a licensed Arizona independent health insurance broker who was born and raised in Arizona. As an independent broker, he works for his clients rather than the insurance companies. He helps with Healthcare.gov Marketplace plans, private and short-term coverage, Medicare, dental and vision, and pet health coverage.

Media Contact

Hayden Swann, Help With Health Insurance

Phone: 480-381-3924

Email: [email protected]

Website: helpwithhealthinsurance.com