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AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)

Blue Cross Blue Shield of Arizona

Starting at

$568

/month before subsidy

Key facts

AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) is a 2026 Expanded_bronze HMO health insurance plan from Blue Cross Blue Shield of Arizona, sold on the ACA Marketplace in Arizona under plan ID 53901AZ1420087. The monthly premium starts at $568 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $10,150 ($20,300 for a family), and the individual out-of-pocket maximum is $10,150 ($20,300 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is HSA-eligible, so it can be paired with a Health Savings Account.

Plan ID: 53901AZ1420087
Plan year: 2026
State: Arizona
Metal level: Expanded_bronze
Plan type: HMO
HSA-eligible: Yes

Individual Deductible

$10,150

Family: $20,300

Out-of-Pocket Max

$10,150

Family: $20,300

Coinsurance

You pay after deductible

Network Type

HMO

AZN001

Cost Sharing

What you pay for common services (after deductible unless noted)

Medical Services

Primary Care VisitNo Charge after deductible

Specialist VisitNo Charge after deductible

Urgent CareNo Charge after deductible

Emergency RoomNo Charge after deductible

Prescription Drugs

Generic DrugsNo Charge

Brand Name DrugsNo Charge after deductible

Specialty DrugsNo Charge after deductible

CMS Quality Rating

The federal government's star rating for this plan, based on clinical data and member surveys — the same rating shown on HealthCare.gov.

3.0overall

Medical care
Member experience: Not rated
Plan administration

What you'd typically pay

Standardized coverage examples from this plan's official Summary of Benefits & Coverage — your estimated out-of-pocket cost in three common situations (in-network).

Having a baby

Normal delivery

$10,030

your estimated cost

Deductible: $9,970
Copays: $10
Coinsurance: $0

Managing type 2 diabetes

A year of routine care

$5,130

your estimated cost

Deductible: $4,500
Copays: $610
Coinsurance: $0

A simple fracture

ER visit + follow-up

$2,600

your estimated cost

Deductible: $2,590
Copays: $10
Coinsurance: $0

Is your medication or doctor covered?

Check this plan against your prescriptions and providers, using live data from the federal Marketplace (CMS). Always confirm with the insurer before enrolling.

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Official Plan Documents

Published by Blue Cross Blue Shield of Arizona. These are the authoritative source for coverage details.

Summary of Benefits & Coverage (SBC)Standardized cost & coverage summary Plan BrochureFull plan details from the insurer Drug FormularyCovered prescriptions & drug tiers

Who This Plan Is Best For

Review the plan details above to determine if this plan fits your healthcare needs and budget.

This summary is generated based on plan attributes for educational purposes only.

Worst-Case Monthly Cost

What you'd pay if you hit your out-of-pocket maximum

If you max out this year

$1,414/month

Annual Premium

$6,816

OOP Maximum

$10,150

💡 What this means:

With a $10,150 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $10,150 total. Then insurance covers everything else for the year.

More plans from Blue Cross Blue Shield of Arizona in Arizona

View all Marketplace plans in Arizona

Frequently asked questions about AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits)

How much does AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) cost per month?

AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) from Blue Cross Blue Shield of Arizona starts at $568 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 AdvanceHealth Bronze Focus (4 Free PCP Visits)?

The individual medical deductible is $10,150, and the family deductible is $20,300. 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 AdvanceHealth Bronze Focus (4 Free PCP Visits)?

The most you would pay in a year for covered in-network care is $10,150 for an individual and $20,300 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.

Is AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) HSA-eligible?

Yes. AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) is a qualified high-deductible health plan, so you can pair it with a Health Savings Account (HSA) and pay for eligible medical expenses with pre-tax dollars.

What type of network does AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) use?

AZ Blue AdvanceHealth Bronze Focus (4 Free PCP Visits) 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

Enroll at HealthCare.gov Browse Arizona plans

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.