2,233
2026 Marketplace plan selections reported by CMS.
Arizona Marketplace intelligence
ACA Marketplace in Santa Cruz County, Arizona: 2026 plan data
Quick answer · plan year 2026 data
In Santa Cruz County, Arizona, 5 insurers offered 62 individual-market medical plans for plan year 2026 (1 Bronze, 20 Expanded Bronze, 19 Gold, 22 Silver). The benchmark plan (second-lowest-cost silver) was $449 a month for a 40-year-old before tax credits, and the lowest-cost bronze (Bronze or Expanded Bronze tier) was $375. CMS counted 2,233 plan selections in Santa Cruz County.
Insurers in the 2026 data: Ambetter from Arizona Complete Health, Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc., Oscar Health Plan, Inc., UnitedHealthcare.
These are plan-year 2026 figures from CMS, not a 2027 plan list or a personal quote. What you pay depends on your age, household income and the plan you choose.
Use verified 2026 CMS county evidence as a local benchmark when comparing Marketplace coverage. Historical averages are context, not a personal quote or current plan list.
87.5%
of selections received advance premium tax credits (APTC).
$659 → $205
Average monthly premium and average after APTC among the CMS county measures.
Local premium benchmark
How the CMS averages compare
These county averages describe 2026 Marketplace selections; they are not a personal quote.
Average premium$659
Average after APTC$205
$454 lower on average among the reported measures (69% difference).
What this means when comparing coverage
CMS reports 1,954 APTC recipients in the county, with average APTC of $520. These are county-level historical Marketplace measures, not a quote or guarantee of your eligibility, premium, savings, plan availability, or provider network.
Check ACA eligibility factors · Understand Marketplace savings · Arizona ACA overview
Local evidence
What stands out in Santa Cruz County's 2026 ACA Marketplace data?
CMS reports 2,233 plan selections in Santa Cruz County. That ranks #10 of 15 Arizona counties in this CoveragePath CMS dataset by Marketplace selections. This is enrollment context, not an estimate of how many county residents are eligible.
87.5% of reported selections received APTC. The average premium was $659 and the average after APTC was $205 — a $454 difference in these county-level CMS averages. These averages are not a personal quote or subsidy estimate.
For separate population context, the 2024 ACS uninsured estimate is 15.2%. ACS population insurance statistics and ACA Marketplace eligibility are different measures.
Local marketplace facts
What is available in Santa Cruz County?
- Plan selections by age
- Under 35: 30.7% · 35-54: 31.1% · 55-64: 35.2% · 65+: 2.9% Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Benchmark (second-lowest-cost) silver, monthly, age 40, before tax credits
- $449 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Consumers eligible for cost-sharing reductions
- 801 of 2,233 (35.9%) Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- New, returning and auto-renewed consumers
- 15.1% new to the Marketplace, 84.9% returning; 661 (29.6% of all) were automatically re-enrolled Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Insurers offering Marketplace plans
- Ambetter from Arizona Complete Health, Blue Cross Blue Shield of Arizona, Imperial Insurance Companies, Inc., Oscar Health Plan, Inc., UnitedHealthcare Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Lowest-cost bronze, monthly, age 40, before tax credits
- $375 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
- Plan selections by metal level
- Bronze 52.9% · Silver 44.0% · Gold 3.1% · Platinum, catastrophic and other 0.0% (of 2,233 selections) Source: CMS 2026 Open Enrollment Period County-Level Public Use File (2026-oep-county-level-public-use-file.zip, sha256 020e6531b06497f0)
- Plans by metal level
- Bronze: 1 · Expanded Bronze: 20 · Gold: 19 · Silver: 22 Source: CMS QHP Landscape PUF, plan year 2026, individual market medical (individual_market_medical.zip, sha256 4ae312a4e2fc9b41)
How Santa Cruz County compares with Arizona
Santa Cruz County accounts for about 0.6% of the 2026 Marketplace selections in this Arizona county dataset. These comparisons use the same sourced county inventory shown on this page.
The county average premium is -$29 versus the selection-weighted Arizona county benchmark of $688.
The county average after APTC is -$24 versus the selection-weighted benchmark of $229.
The ACS county uninsured estimate is +4.7 points versus the population-weighted Arizona county benchmark of 10.5%.
Method: premium benchmarks are weighted by Marketplace plan selections; the ACS uninsured benchmark is weighted by the ACS county population universe. Suppressed CMS values are not estimated.
Population coverage context
Health coverage context in Santa Cruz County
15.2%
ACS estimate for the uninsured share of the Census S2701 population universe.
48,839
People in the ACS health-insurance coverage population universe for this county.
The U.S. Census Bureau's 2024 ACS 5-Year estimate describes population health-insurance coverage in Santa Cruz County. It is useful local context, but it does not measure ACA Marketplace eligibility, enrollment, premiums, subsidies, or plan availability. The Marketplace figures above come separately from CMS.
Check the factors that affect ACA eligibility · Compare Arizona Marketplace context
Population context source: U.S. Census Bureau, 2020-2024 ACS 5-Year Subject Table S2701 · County FIPS 04023
Source: Centers for Medicare & Medicaid Services, 2026 OEP County-Level Public Use File · Verified September 18, 2026 · County FIPS 04023