Arizona Hospitals Insurance Guide
Which Arizona Hospitals Accept Which Insurance?
Hospital health services are among the most expensive treatments. Unless you need to go to a hospital for a timely emergency, it’s helpful to check if an Arizona hospital accepts your insurance plan before you go. Otherwise, out-of-pocket hospital costs could be as high as $7,500 for a broken leg or around $30,000 for a 3-day hospital stay.
This guide outlines which Marketplace and private health insurance plans are accepted by Arizona’s top hospitals in 2025—including Mayo Clinic, Phoenix Children’s, HonorHealth, and more. We’ll also break down the difference between ACA Marketplace plans and private PPO plans, so you can make the best choice for your family.
- Affordable Care Act (ACA) Marketplace plans are health insurance plans offered by the federal government. There are specific open enrollment dates, from November 1 through January 15, as well as special enrollment opportunities for qualifying life events.
- Private individual health insurance or family health insurance plans are health insurance plans you get through a health insurance broker instead of through the ACA Marketplace. You may have more carrier and plan detail options with a private insurance plan, but these plans don’t traditionally cover pre-existing conditions.
If you have further questions, you can
contact the Arizona health insurance experts at AZ Health Insurance Brokers for up-to-date information when you need it, at no cost to you. Call 602.617.4107 or email
info@azhealthinsurancebrokers.com.
What Are the Best Hospitals in Arizona?
In Arizona, different hospitals have different specialties. Some Arizona hospitals are nationally ranked in terms of their expertise and service.
If quality of care is important in your health insurance plan decision, these hospitals are consistently ranked among the best hospitals in Arizona by U.S. News & World Report:
- Mayo Clinic: Not only is Mayo Clinic ranked number one out of Arizona hospitals, it’s also nationally ranked as one of the top hospitals in the country in specialties including cancer, diabetes, cardiology and lung surgery.
- Banner University Medical Center – Phoenix: Ranked number two by U.S. News & World Report for Arizona hospitals, Banner University Medical – Phoenix is a leader in specialties such as ear, nose, throat, geriatrics and neurology.
- HonorHealth Scottsdale Shea Medical Center: HonorHealth Scottsdale Shea Medical Center is ranked three by U.S. News & World Report among Arizona hospitals. It’s a general medical and surgical facility that specializes in areas such as colon cancer surgery and pulmonology.
- Phoenix Children’s Hospital: Phoenix Children’s Hospital is the number one ranked children’s hospital in Arizona and offers top pediatric care in the U.S., with nationally ranked pediatric cancer care, cardiology and other specialties.
- St. Joseph’s Hospital and Medical Center: Home to Barrow Neurological Institute, ranked as the top neurosurgery residency program in the U.S. by the Domixity Residency Navigator, St. Joseph’s Hospital and Medical Center, part of Dignity Health Medical Group Arizona, is also rated in areas including rehabilitation and urology.
Keep in mind that not all top hospitals accept every insurance plan, especially ACA Marketplace plans. Use this guide to match your health insurance with the hospital(s) you want access to.
| Hospital | Accepts ACA Marketplace Plans | Accepts Private PPO Plans | Key Coverage Details |
|---|---|---|---|
| Mayo Clinic | ❌ No | ✅ Yes | Only accessible through private PPOs and marketplace plans are not accepted.ans@mail.com |
| Phoenix Children’s Hospital | ✅ Yes | ✅ Yes | Broad acceptance, but some BCBSAZ Marketplace plans end after 12/31/25. |
| HonorHealth | ✅ Yes | ✅ Yes | Hospitals and specialists in-network, but HonorHealth PCPs not included on Marketplace plans. |
| Banner – UMC Phoenix | ✅ Yes | ✅ Yes | Banner|Aetna Marketplace plans ending after 12/31/25. |
| Abrazo Health | ✅ Yes | ✅ Yes | Broad network |
| Dignity Health | ✅ Yes | ✅ Yes | Specialty-focused care (orthopedics, bariatrics, cardiology). |
| Valleywise Health | ✅ Yes | ✅ Yes | Public safety-net hospital with top burn and trauma care. |
🏥Abrazo Health
Abrazo Health is one of the largest healthcare systems in Arizona. The network specializes in stroke and neurosciences, cardiovascular health, maternity services, minimally invasive surgery and complex spine and orthopedic procedures. The following are marketplace and private health insurance plans accepted by Abrazo Health.
ACA Marketplace Plans
- Ambetter
- Antidote
- BCBSAZ ACA Health Choice
- BCBSAZ Maricopa Focus
- BCBSAZ Statewide PPO (PPO is no longer available after 12/31/25)
- Imperial
- Oscar
- UnitedHealthcare (UHC)
Private Insurance Plans
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥 Banner – University Medical Center Phoenix (Part of Banner Health)
This flagship Banner facility is recognized for its academic medical center excellence and is affiliated with the University of Arizona College of Medicine. It’s ranked among the top hospitals in Arizona for specialties like cardiology and cancer care. The following are marketplace and private health insurance plans accepted by Banner – University Medical Center Phoenix.
ACA Marketplace Plans
- Ambetter
- Banner|Aetna (No longer available after December 31, 2025)
- BCBSAZ ACA Health Choice
- BCBSAZ Maricopa Focus
- BCBSAZ Neighborhood
- BCBSAZ Statewide PPO (PPO is no longer available after 12/31/25)
- UHC
Private Insurance Plans
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥Carondelet Health Network
The Carondelet Health Network is located in southern Arizona and provides high-quality 24/7 emergency care. The Carondelet Health Network accepts the following marketplace and private health insurance plans.
ACA Marketplace Plans
- Ambetter
- Antidote
- BCBSAZ ACA Health Choice
- BCBSAZ Pima Focus
- BCBSAZ Statewide PPO (PPO is no longer available after 12/31/25)
- Oscar
- UHC
Private Insurance Plans
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥Dignity Health Medical Group Arizona
Dignity Health Medical Group Arizona specializes in areas including bariatrics, orthopedics and cardiology. Dignity Health Medical Group Arizona accepts the following marketplace and private health insurance plans.
ACA Marketplace Plans
- BCBSAZ Maricopa Focus
- BCBSAZ Neighborhood
- BCBSAZ Statewide PPO (PPO is no longer available after 12/31/25)
- Cigna
- Imperial
Private Insurance Plans
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥HonorHealth
HonorHealth is a top-rated health system in the Scottsdale and North Phoenix region, frequently recognized for its excellence in orthopedic surgery, cancer treatment and cardiovascular care. With 6 hospitals and more than 2,000 doctors, it's a popular choice for local families. HonorHealth accepts the following marketplace and private health insurance plans.
ACA Marketplace Plans
- Ambetter
- Banner|Aetna (No longer available afterDecember 31, 2025)
- BCBSAZ
- Premier Health (Statewide PPO Network)
- Everyday Health PPO (Statewide PPO Network) (PPO is no longer available after 12/31/25)
- Does not include MaricopaFocus Network or Portfolio HMO with PimaConnect Network
- Cigna Connect Individual and Family plans
- All HonorHealth hospitals, facilities urgent care locations and HonorHealth Medical Group specialists participate
- HonorHealth primary care physicians (PCPs) don’t participate
- Health Choice by BCBSAZ
- Oscar
Private Plans
- BCBS of NE
- UHC Choice Plus PPO Network
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥 Mayo Clinic Arizona
Mayo Clinic in Phoenix is consistently ranked as the #1 hospital in Arizona and among the top in the nation by U.S. News & World Report. Known for handling complex cases, it offers cutting-edge treatments backed by research.
Mayo Clinic does not accept any ACA Marketplace plans. For those who want access to Mayo Clinic services, a private plan can be a consideration for people who are relatively healthy. Mayo Clinic accepts the following private health insurance plans. It is important to talk with a broker to understand how the private plans would work at Mayo. There may still be certain limitations.
Private Plans (Mayo is very particular with which plans they will accept, it’s important to call us and we can run you through it.)
- Anthem PPO
- BCBS of NE
- Cigna or Aetna’s PPO network
- UHC Choice Plus PPO Network
🏥Northern Arizona Healthcare
Northern Arizona Healthcare providers include Flagstaff Medical Center (FMC), Verde Valley Medical Center (VVMC), Northern Arizona Healthcare Orthopedic Surgery Center (NAHOSC) and Northern Arizona Healthcare Medical Group (NAHMG). Northern Arizona Healthcare accepts the following marketplace and private health insurance plans.
ACA Marketplace Plans
- Ambetter
- Banner | Aetna (No longer available after December 31, 2025)
- BCBSAZ
Private Plans
- BCBS of NE
- Cigna or Aetna’s PPO network
- UHC Choice Plus PPO Network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥 Phoenix Children’s Hospital
Phoenix Children’s Hospital is consistently ranked as one of the best pediatric hospitals in the nation, offering specialized care in fields like pediatric cardiology, oncology and neurology. It’s a top-tier choice for families across Arizona. Phoenix Children’s Hospital accepts the following marketplace and private healthcare plans.
ACA Marketplace Plans
- BCBSAZ ACA Health Choice (No longer in network after 12/31/25)
- BCBSAZ PPO (PPO is no longer available after 12/31/25)
- Antidote
- Imperial
Private Insurance Plans
- Anthem PPO
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥Summit Healthcare
Summit Healthcare is located in Show Low, Arizona, and has an expert Bone & Joint Center featuring top orthopedic and podiatry specialists. Summit Healthcare accepts the following marketplace and private health insurance plans.
ACA Marketplace Plans
- BCBSAZ Neighborhood Network
- BCBSAZ Statewide PPO Network (PPO is no longer available after 12/31/25)
Private Insurance Plans
- Anthem PPO
- BCBS of NE
- UHC Choice Plus PPOl
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥Valleywise Health
Valleywise Health is Phoenix’s public teaching health system, with one of the country’s top burn and trauma centers. Valleywise Health accepts the following marketplace and private health insurance plans.
- Ambetter
- Antidote
- BCBSAZ ACA Health Choice
- BCBSAZ Maricopa Focus
- BCBSAZ Statewide PPO (PPO is no longer available after 12/31/25)
- UHC
Private Insurance Plans
- BCBS of NE
- UHC Choice Plus PPO
- Cigna or Aetna’s PPO network
- Private Healthcare Systems (PHCS) and MultiPlan PPO network
🏥 Need Help Choosing an Arizona Health Insurance Plan That Covers Your Hospital?
Navigating Arizona health insurance can be confusing—especially if you want to make sure the hospital you trust is in-network.
At AZ Health Insurance Brokers, we’ll help you compare Marketplace and private health insurance plans so you can:
~Ensure your preferred Arizona hospitals and doctors are covered
~Understand the real costs of each option (premiums, deductibles, and out-of-pocket expenses)
~Find out whether you qualify for discounts or tax credits on Marketplace plans
~Explore private PPO options for access to top hospitals
Whether you’re looking for individual coverage, family coverage, or group health insurance for your Arizona business, we’ll guide you to the best fit.
📞 Call us at 602.617.4107, email quotes@azhealthinsurancebrokers.com, or contact us online. We’re here to help you get the coverage you need, with access to the hospitals you trust.
Arizona Hospitals & Insurance Coverage FAQs
How do I know which Arizona hospitals accept my insurance?
Use our online resource of accepted insurances at major Arizona hospital networks. Or, contact the hospital to inquire directly before making an appointment.
What are the most popular health insurers in Arizona?
The most popular health insurers in Arizona include Blue Cross Blue Shield of Arizona (BCBSAZ), Banner | Aetna, Cigna HealthCare of Arizona and UnitedHealthcare. Many Arizona hospitals accept the biggest health insurers in Arizona, but they may not accept them all. For example, HonorHealth no longer accepts UnitedHealthcare through the ACA Marketplace.
Does Mayo Clinic Arizona accept ACA Marketplace insurance in 2025?
No. Mayo Clinic Arizona does not accept ACA Marketplace health plans, such as those purchased through Healthcare.gov (e.g., Ambetter, Blue Cross Blue Shield, Banner|Aetna, UnitedHealthcare Marketplace plans)
What hospital treatments does insurance cover in Arizona?
Most hospital treatments are eligible for insurance coverage in Arizona. These include inpatient and outpatient hospital care, emergency services, hospitalization, surgery and mental health care in hospitals. Check that a hospital offers insurance coverage for your insurer before you schedule treatment, if possible.
Do I have to pay for emergency services at a hospital that doesn’t accept my insurance?
While in most cases you can’t be denied emergency care if you don’t have insurance that’s covered by a hospital, you may be obligated to pay back what you owe. That’s why it’s always in your best interest to check about hospital coverage before ground ambulance transportation.
Can you get hospital treatment if you’re not covered?
The federal No Surprises Act protects people from unexpected charges for most out-of-network care, including air ambulances and emergency room services. However, out-of-network ground ambulance transportation is typically not covered or protected by the law.
