The health insurance industry in Arizona plays a vital role in ensuring residents have access to medical services and coverage. It includes a variety of players, from large established providers like Blue Cross Blue Shield to specialized firms focusing on niches like dental or Medicare insurance. Many companies adapt their products to meet the unique needs of Arizonians, emphasizing personalized care and preventive services. As healthcare technology and policy evolve, especially with the impacts of the Affordable Care Act, we see a rising trend of integrated health services and telehealth solutions becoming available to the public.


This article features 21 prominent health insurance companies operating in Arizona, ranging from large organizations to smaller, more specialized providers. Founded between the 1970s and 2021, these companies vary in size, with workforces from small teams of 10 to over 5,000 employees. They predominantly operate from urban centers like Phoenix, Scottsdale, and Tucson, reflecting the state's growing population and healthcare demand. The companies listed cater to an array of services, focusing on health coverage, dental plans, and senior health solutions, serving a broad demographic spectrum including families and businesses.


Continue reading to discover the top health insurance companies in Arizona.


Top 21 Health Insurance Companies in Arizona


1. Blue Cross Blue Shield of Arizona

  • Website: azblue.com
  • Ownership type: Private
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1939
  • Headcount: 1001-5000
  • LinkedIn: blue-cross-blue-shield-of-arizona

Blue Cross Blue Shield of Arizona (BCBSAZ) is a health insurance provider based in Phoenix, Arizona, with a workforce of approximately 2,293 employees. Founded in 1939, the company has established itself as a key player in the health insurance market, offering a range of coverage options for individuals, families, and businesses. BCBSAZ provides tailored plans that include Medicare and Medicaid services, as well as wellness and behavioral health programs. The company serves a broad customer base, from individuals seeking personal health insurance to businesses looking to provide employee health benefits. Notably, BCBSAZ has been recognized for its high member satisfaction, ranking #1 among commercial health plans in the U.S. Southwest region. The company is also actively involved in community health initiatives, demonstrating a commitment to improving health outcomes in Arizona. Their extensive provider network includes 96% of physicians and 98% of hospitals in the state, ensuring that members have access to quality care.


2. Banner|Aetna

  • Website: banneraetna.com
  • Ownership type: Private
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2016
  • Headcount: 51-200
  • LinkedIn: banneraetna

Banner|Aetna, founded in 2016, is a health insurance provider based in Phoenix, Arizona. The company offers a range of health insurance plans and healthcare services aimed at individuals, families, and employers. Their mission is to provide access to affordable healthcare solutions while focusing on transforming healthcare delivery in Arizona through integrated services. Banner|Aetna operates as a partnership between Banner Health, the largest health system in Arizona, and Aetna, a well-known health insurance company. This collaboration allows them to leverage resources and expertise from both organizations to enhance member care. They provide various plans, including those compliant with the Affordable Care Act (ACA), and emphasize personalized care management, mental health resources, and innovative programs like diabetes care support. Their approach aims to improve health outcomes while reducing costs for their members.


3. Arizona Complete Health

  • Website: azcompletehealth.com
  • Ownership type: Private
  • Headquarters: Tempe, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 501-1000
  • LinkedIn: arizonacompletehealth

Arizona Complete Health, founded in 1981 and based in Tempe, Arizona, is a private health insurance provider that offers a range of services including Medicaid, Medicare Advantage, and health insurance marketplace plans. The company is dedicated to serving individuals and families in Arizona, focusing on affordable healthcare solutions and crisis intervention services. Their mission emphasizes transforming the health of the communities they serve, one person at a time. Arizona Complete Health is also involved in local initiatives aimed at enhancing community health, demonstrating a commitment to active local involvement. They provide various member resources, including crisis intervention services available to anyone in Arizona, regardless of insurance status. This approach highlights their dedication to addressing immediate health needs and supporting overall community well-being.


4. Delta Dental of Arizona

  • Website: deltadentalaz.com
  • Ownership type: Private
  • Headquarters: Scottsdale, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1972
  • Headcount: 51-200
  • LinkedIn: delta-dental-of-arizona

Delta Dental of Arizona, founded in 1972, is a private insurance provider based in Scottsdale, Arizona. The company specializes in dental and vision insurance, offering a variety of plans tailored for individuals, families, and employers. With a commitment to preventive care, Delta Dental of Arizona emphasizes the connection between oral health and overall health. They operate through a national network, providing services to over 1.2 million enrollees. As part of the Delta Dental Plans Association, they contribute to a larger framework of dental coverage across the United States, Puerto Rico, and other territories. Their initiatives also include community benefits aimed at improving access to dental care for underserved populations, showcasing their involvement in enhancing public health.


5. Hma

  • Website: hmatpa.com
  • Ownership type: Private
  • Headquarters: Tempe, Arizona, United States (USA)
  • Employee distribution: United States (USA) 42%, Nigeria 26%, Brazil 21%, Other 11%
  • Founded year: 1983
  • Headcount: 51-200
  • LinkedIn: hmatpa

Hma, also known as Verdegard, is a private healthcare provider based in Tempe, Arizona, founded in 1983. The company specializes in employee benefits and health insurance services, offering a range of self-funded health plans tailored to meet the needs of businesses. Their offerings include Preferred Provider Organization (PPO) plans, reference-based pricing, and various additional services such as member advocacy and pharmacy benefits. Hma's approach emphasizes transparency and cost management, aiming to provide affordable healthcare options for employers and their employees. The company serves a broad clientele, including small to medium-sized businesses, and is committed to simplifying healthcare coverage through innovative solutions. Hma operates as a third-party administrator, managing health plans and ensuring compliance with regulations, which positions them as a significant player in the health insurance industry.


6. Coterie Advisory Group, Inc.


Coterie Advisory Group, Inc., founded in 2016 and based in Phoenix, Arizona, operates as an insurance agency dedicated to providing affordability-based medical plans. The company specializes in crafting tailored healthcare solutions primarily for part-time and hourly workers, a demographic often overlooked in traditional health insurance offerings. Coterie's services include a range of medical plans designed to meet the unique needs of underserved populations, addressing the critical issue of healthcare affordability in the United States. Their Fundamental Care programs feature fully-insured limited-benefit indemnity plans and level-funded limited-day plans, which are structured to offer high-value coverage at competitive prices. The founders of Coterie bring decades of experience in the insurance and benefits industry, having held various leadership roles prior to establishing the company. This expertise allows them to understand and respond effectively to the evolving needs of employers and employees alike, making a meaningful impact in the health insurance market.


7. Black, Gould & Associates

  • Website: blackgould.com
  • Ownership type: Corporate
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 95%, United Kingdom (UK) 5%
  • Latest funding: April 2025
  • Founded year: 1980
  • Headcount: 51-200
  • LinkedIn: black-gould-%26-associates

Black, Gould & Associates, based in Phoenix, Arizona, is a health insurance agency established in 1980. The company specializes in providing a variety of health insurance products, including individual and group plans, as well as Medicare solutions. They focus on supporting insurance agents and brokers by offering resources, quoting assistance, and ongoing customer service. This support is crucial for agents looking to meet their clients' needs effectively. Black, Gould & Associates operates primarily in the United States, with a small presence in the United Kingdom. Their commitment to service is evident in their provision of a 24/7 bilingual service hotline and a range of tools and resources designed to assist brokers in navigating the complexities of health insurance. The company does not report any recent funding, indicating a self-sustaining business model that has thrived for over four decades.


8. Medicare Health Benefits Inc


Medicare Health Benefits Inc, founded in 1996 and based in Tucson, Arizona, is a private health insurance agency dedicated to serving the Medicare-eligible population. The company specializes in providing comprehensive assistance with Medicare options, including Medicare Advantage plans, Medicare supplements (Medigap), and prescription drug plans (Part D). With a team of licensed agents, Medicare Health Benefits Inc aims to simplify the often confusing Medicare enrollment process for seniors and those qualifying for Medicaid. They operate in various locations, including Tucson, Albuquerque, and Nashville, and are committed to offering unbiased advice by representing multiple insurance companies. Their focus on education and personalized service helps clients make informed decisions about their healthcare coverage, ensuring that they find plans that best meet their individual health needs.


9. TDA (Total Dental Administrators)

  • Website: tdadental.com
  • Ownership type: Corporate
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2021
  • Founded year: 1995
  • Headcount: 51-200
  • LinkedIn: total-dental-administrators

TDA (Total Dental Administrators), founded in 1995 and based in Phoenix, Arizona, is an insurance provider that specializes in dental and health insurance services. The company offers a variety of products, including dental, life, disability, vision, and critical illness insurance, catering to both individuals and businesses. TDA aims to ensure access to essential healthcare benefits, emphasizing the importance of dental health in overall wellness. With a client base exceeding 850,000 individuals, TDA has established itself as a significant player in the dental insurance market, particularly in Arizona and Utah. They are a wholly owned subsidiary of Blue Cross Blue Shield of South Carolina, which enhances their credibility and reach within the industry. TDA's focus on providing comprehensive dental care plans and their partnerships with other national insurance companies further solidify their role in the health insurance sector.


10. Med-Care Senior Insurance Solutions

  • Website: med-careaz.com
  • Ownership type: Corporate
  • Headquarters: Scottsdale, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2021
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: medcareinsurance

Med-Care Senior Insurance Solutions, founded in 2009 and based in Scottsdale, Arizona, is an insurance agency that specializes in Medicare-related products. The company operates primarily in Arizona and New Mexico, offering a range of services that include Medicare Advantage plans, Medicare Supplements, and ancillary insurance options. With over 25 years of experience in the Medicare market, the agency prides itself on providing comprehensive support and training for agents, ensuring they are well-equipped to assist seniors in selecting appropriate health coverage. Med-Care Senior Insurance Solutions focuses on sustainable growth and adapts to changes in healthcare reform, aiming to keep both clients and agents informed about their options. Their commitment to agent training and compliance underscores their role as a supportive partner in the Medicare insurance space.


11. USA Managed Care Organization (USA MCO)

  • Website: usamco.com
  • Ownership type: Private
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1984
  • Headcount: 51-200
  • LinkedIn: usa-managed-care-organization

USA Managed Care Organization (USA MCO), founded in 1984 and based in Phoenix, Arizona, is a privately-owned managed care organization. With a workforce of approximately 75 employees, USA MCO operates across 47 states, providing a range of healthcare services. The company specializes in health and wellness networks, workers' compensation networks, and healthcare settlement solutions. USA MCO aims to help clients manage healthcare costs while ensuring high-quality care. Its user-friendly platform facilitates access to healthcare services for businesses, insurance providers, and individuals. The organization also offers a Medicare Select program, which includes a network of over 1,600 credentialed hospitals. USA MCO's commitment to cost containment and quality service positions it as a significant player in the health insurance industry, catering to a variety of clients with tailored solutions.


12. Western Asset Protection


Western Asset Protection, founded in 1982 and based in Phoenix, Arizona, is a private insurance agency that specializes in Medicare-related products and services. The company focuses on providing comprehensive training, resources, and support to insurance agents and agencies navigating the complexities of the Medicare insurance market. Their offerings include Medicare Advantage plans, Medicare Supplements, Part D plans, and life insurance products. WAP is dedicated to empowering agents with the tools and knowledge necessary to succeed in the Medicare space, which is increasingly important as more Americans reach retirement age. The agency represents 37 organizations and offers a wide array of products, ensuring that agents have access to the necessary resources to meet their clients' needs. WAP's commitment to agent support and education positions it as a significant player in the Medicare insurance market.


13. Gold Kidney Health Plan

  • Website: goldkidney.com
  • Ownership type: Private Equity
  • Headquarters: Scottsdale, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: $60.0M, December 2022
  • Founded year: 2021
  • Headcount: 51-200
  • LinkedIn: gold-kidney-health-plan

Gold Kidney Health Plan, based in Scottsdale, Arizona, is a private equity-backed healthcare provider that specializes in Medicare Advantage plans. Founded in 2021, the company focuses on delivering tailored health insurance solutions for individuals with chronic diseases, particularly those at risk of end-stage renal disease (ESRD). Gold Kidney operates primarily in Arizona and Florida, offering essential healthcare services designed to improve the quality of life for its members. The company emphasizes a personalized approach, connecting members with a network of specialists to manage their health conditions effectively. In December 2022, Gold Kidney Health Plan secured $60 million in funding, reflecting strong investor interest in their innovative approach to chronic disease management. Their offerings include unique benefits such as a prepaid Visa card for health-related expenses, which further enhances their commitment to supporting members' everyday healthcare needs.


14. CBS Insurance


CBS Insurance, founded in 1998 and based in Phoenix, Arizona, is a family-owned insurance agency that specializes in providing critical illness, accident, and dental insurance products. With a small team of around 24 employees, CBS Insurance operates through a national brokerage network, catering to both individual consumers and businesses. The company emphasizes tailored insurance solutions, aiming to meet the unique needs of its clients. Their portfolio includes simple issue plans that facilitate quick underwriting and application processes, making it easier for agents to sell these products. CBS Insurance is committed to agent and client services, ensuring that inquiries are handled promptly by live representatives. The leadership team, with extensive experience in the insurance industry, focuses on educating agents and clients about their offerings, particularly in the area of critical illness insurance. This dedication to service and support positions CBS Insurance as a relevant player in the health insurance market.


15. Stealth Partner Group, an Amwins Company

  • Website: stealthpartnergroup.com
  • Ownership type: Corporate
  • Headquarters: Scottsdale, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: October 2019
  • Founded year: 2009
  • Headcount: 201-500
  • LinkedIn: stealthpartnergroup

Stealth Partner Group, an Amwins Company, is a specialized general agency based in Scottsdale, Arizona, founded in 2009. The company focuses on providing comprehensive stop loss and ancillary benefit solutions tailored for brokers, consultants, and third-party administrators. With a dedicated approach to managing healthcare costs, Stealth Partner Group offers a range of services including medical stop loss insurance, claims services, and self-funding analytics. Their business model emphasizes building strong partnerships, allowing them to deliver competitive solutions that help clients navigate the complexities of claims management. As a fully licensed and bonded third-party administrator, they play a crucial role in the insurance industry, particularly in helping employers transition from fully insured to self-funded arrangements. Stealth Partner Group has grown significantly since its inception, becoming a respected name in the stop loss insurance market, especially after joining the Amwins family in 2019.


16. Berwick Insurance Group


Berwick Insurance Group, founded in 1997 and based in Tucson, Arizona, operates as an independent insurance agency specializing in health insurance products. The company primarily focuses on Medicare and individual health plans, catering to both consumers seeking coverage and agents looking for support in their sales efforts. Berwick Insurance Group is dedicated to empowering insurance agents by providing comprehensive training, innovative tools, and ongoing support, which helps agents effectively navigate the complexities of health insurance sales. Their commitment to agent success is evident in their extensive resources and training programs, which are designed to enhance agents' capabilities and improve client service. Berwick Insurance Group represents a select number of reputable carriers, ensuring that their agents have access to a range of quality products. This strategic focus on agent partnerships and education positions Berwick as a notable player in the health insurance market.


17. Vector ES

  • Website: vesbenefits.com
  • Ownership type: Private
  • Headquarters: Thatcher, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2012
  • Headcount: 11-50
  • LinkedIn: vector-es

Vector ES, founded in 2012 and based in Thatcher, Arizona, is a family-owned employee benefits provider dedicated to serving small businesses. With a team of 21 employees, they leverage over 70 years of combined industry experience to offer a variety of health insurance solutions. Their services include major medical plans, dental and vision insurance, worksite benefits, telehealth services, and medical transport coverage. Vector ES aims to empower small businesses by providing access to competitive benefit packages that enhance employee satisfaction and retention. They work with multiple insurance carriers to ensure a broad selection of options tailored to the unique needs of their clients. Their focus on small businesses reflects a commitment to addressing the challenges these companies face in providing employee benefits, especially in an environment where rising costs often lead to difficult decisions about coverage.


18. Redirect Health

  • Website: redirecthealth.com
  • Ownership type: Private
  • Headquarters: Phoenix, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Other (Debt), $2.0M, December 2018
  • Founded year: 2012
  • Headcount: 201-500
  • LinkedIn: redirecthealth

Redirect Health, founded in 2012 and based in Phoenix, Arizona, is a private healthcare provider that specializes in offering affordable healthcare plans and services. The company aims to reduce healthcare costs and enhance access to care through its innovative member app and various support programs. Redirect Health provides customized healthcare solutions designed to help clients navigate their healthcare needs effectively. They cater to individuals, families, and businesses, promoting plans that can significantly lower both premiums and out-of-pocket expenses. With a focus on eliminating administrative waste, Redirect Health strives to ensure that members receive high-quality care at a reasonable price. The company has also secured funding, with a reported last funding amount of $2 million in December 2018, indicating ongoing investment in their operations and growth.


19. The Arizona Group Insurance Brokers

  • Website: arizonagroup.com
  • Ownership type: Private
  • Headquarters: Mesa, Arizona, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1993
  • Headcount: 51-200
  • LinkedIn: the-arizona-group

The Arizona Group Insurance Brokers, founded in 1993 and based in Mesa, Arizona, is an independent insurance agency that offers a wide array of insurance solutions. With a team of approximately 67 employees, the agency specializes in personal, business, life, health, and employee benefits insurance. They serve both individual clients and businesses, helping them navigate the complexities of insurance and manage their risks effectively. The agency operates multiple offices across Arizona, including locations in Tucson and Scottsdale. Their partnership with Arizona Financial Credit Union since 2006 has strengthened their operational foundation, allowing them to provide enhanced services to their clients. The Arizona Group is recognized for its commitment to client education, ensuring that customers understand their insurance options and make informed decisions. They have also been acknowledged as a top-rated benefits brokerage, reflecting their expertise in employee benefits and health insurance solutions.


20. Summit Administration Services


Summit Administration Services, Inc., founded in 1996 and based in Scottsdale, Arizona, is a privately held company that specializes in employee benefits administration and insurance services. The firm operates as a fully licensed third-party administrator (TPA) for self-funded employee health benefit programs, workers' compensation, and property and liability coverage. Summit focuses on providing tailored services to small and medium-sized employer groups, public sector entities, and tribal organizations. Their offerings include comprehensive management of employee benefits, eligibility integration, and COBRA administration, among others. The company prides itself on its hands-on, concierge-style service, ensuring that clients receive personalized attention and support. Summit has developed strong relationships with various vendors, allowing them to recommend the best options for their clients' needs. With a dedicated team of experienced professionals, Summit aims to enhance the management of employee benefits while maintaining cost efficiency for their clients.


21. Breinholt Insurance Group, LLC


Breinholt Insurance Group, LLC is a private insurance agency based in Mesa, Arizona, founded in 2015. The company provides a wide array of insurance products, catering to both individual consumers and businesses. Their offerings include home, auto, business, life, and health insurance, with a particular focus on tailoring solutions to meet the specific needs of their clients. Breinholt Insurance Group has built a reputation for quality customer service and personalized insurance solutions. They work with several nationally recognized insurance carriers, ensuring that clients receive reliable coverage. The agency serves various industries, including healthcare, and emphasizes the importance of protecting assets and managing risks effectively. Their commitment to customer care and local engagement positions them as a trusted partner for insurance needs in Arizona and beyond.



Health Insurance Insights: Key Companies in Arizona


CompanyHeadquarterSizeFoundedOwnership
Blue Cross Blue Shield of ArizonaPhoenix, Arizona, United States (USA)1001-50001939Private
Banner|AetnaPhoenix, Arizona, United States (USA)51-2002016Private
Arizona Complete HealthTempe, Arizona, United States (USA)501-10001981Private
Delta Dental of ArizonaScottsdale, Arizona, United States (USA)51-2001972Private
HmaTempe, Arizona, United States (USA)51-2001983Private
Coterie Advisory Group, Inc.Phoenix, Arizona, United States (USA)11-502016Private
Black, Gould & AssociatesPhoenix, Arizona, United States (USA)51-2001980Corporate
Medicare Health Benefits IncTucson, Arizona, United States (USA)11-501996Private
TDA (Total Dental Administrators)Phoenix, Arizona, United States (USA)51-2001995Corporate
Med-Care Senior Insurance SolutionsScottsdale, Arizona, United States (USA)201-5002009Corporate
USA Managed Care Organization (USA MCO)Phoenix, Arizona, United States (USA)51-2001984Private
Western Asset ProtectionPhoenix, Arizona, United States (USA)11-501982Private
Gold Kidney Health PlanScottsdale, Arizona, United States (USA)51-2002021Private Equity
CBS InsurancePhoenix, Arizona, United States (USA)1-101998Family Owned
Stealth Partner Group, an Amwins CompanyScottsdale, Arizona, United States (USA)201-5002009Corporate
Berwick Insurance GroupTucson, Arizona, United States (USA)51-2001997Private
Vector ESThatcher, Arizona, United States (USA)11-502012Private
Redirect HealthPhoenix, Arizona, United States (USA)201-5002012Private
The Arizona Group Insurance BrokersMesa, Arizona, United States (USA)51-2001993Private
Summit Administration ServicesScottsdale, Arizona, United States (USA)11-501996Private
Breinholt Insurance Group, LLCMesa, Arizona, United States (USA)1-102015Private


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