AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit)
Starting at
$1172
/month before subsidy
AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) is a 2026 Gold HMO health insurance plan from Blue Cross Blue Shield of Arizona, sold on the ACA Marketplace in Arizona under plan ID 53901AZ1420048. The monthly premium starts at $1,172 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $1,475 ($2,950 for a family), and the individual out-of-pocket maximum is $8,000 ($16,000 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 53901AZ1420048
- Plan year
- 2026
- State
- Arizona
- Metal level
- Gold
- Plan type
- HMO
- HSA-eligible
- No
Individual Deductible
$1,475
Family: $2,950
Out-of-Pocket Max
$8,000
Family: $16,000
Coinsurance
30%
You pay after deductible
Network Type
HMO
AZN002
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$4,125
your estimated cost
- Deductible
- $1,475
- Copays
- $60
- Coinsurance
- $2,540
Managing type 2 diabetes
A year of routine care
$1,100
your estimated cost
- Deductible
- $330
- Copays
- $750
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$1,835
your estimated cost
- Deductible
- $1,475
- Copays
- $110
- Coinsurance
- $250
Enter your ZIP code first to search nearby doctors.
This Gold HMO plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,839/month
Annual Premium
$14,064
OOP Maximum
$8,000
💡 What this means:
With a $1,475 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $8,000 total. Then insurance covers everything else for the year.
More plans from Blue Cross Blue Shield of Arizona in Arizona
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)from $568/mo
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)from $568/mo
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)from $511/mo
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)from $432/mo
- AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)from $472/mo
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits)from $791/mo
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits)from $791/mo
- AZ Blue AdvanceHealth Bronze Neighborhood (4 Free PCP Visits)from $749/mo
Frequently asked questions about AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit)
How much does AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) cost per month?
AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) from Blue Cross Blue Shield of Arizona starts at $1,172 per month before any subsidy in Arizona. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit)?
The individual medical deductible is $1,475, and the family deductible is $2,950. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit)?
The most you would pay in a year for covered in-network care is $8,000 for an individual and $16,000 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) HSA-eligible?
No. AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) use?
AZ Blue EverydayHealth Gold Neighborhood (1 Free PCP Visit) is a HMO plan. HMO plans generally require you to use in-network providers and to get a referral to see a specialist, in exchange for lower costs.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.