Health insurance in Arizona is genuinely complicated — and most people navigate it alone, with incomplete information, under time pressure. We exist to fix that. A small network of vetted, independent, licensed Arizona brokers. No cost to you. No carrier affiliation. No agenda except finding you the right coverage.
Why We Exist
Most Arizonans buy health insurance one of two ways: through an employer who makes the decision for them, or through healthcare.gov in a 20-minute session during open enrollment where they pick a plan based on premium alone and hope for the best. Neither approach produces good outcomes.
The employer route means you get whatever your HR department negotiated — no visibility into whether a different plan structure would serve your family better, no conversation about the dental and vision gaps your group plan quietly ignores, no one explaining what your deductible actually means in practice.
The marketplace route is worse. Healthcare.gov is a plan shopping tool, not an advisor. It shows you premiums. It doesn't tell you which carriers have the best networks in your zip code, how to optimize your subsidy based on how you structure your income, or why the $500 lower-premium plan might cost you $4,000 more if you actually need care.
The people who get this right are the ones who have a broker. Someone who knows the Arizona market, understands how the products actually work, and has no financial incentive to steer you toward any particular carrier. That's what we built AZHealthBrokers.com to provide — access to that kind of guidance for any Arizona resident, at no cost.
What We Believe
Health insurance is complicated by design — understanding deductibles, networks, subsidy cliffs, Medicare coordination, and supplemental strategy takes expertise most consumers don't have time to develop. That expertise should be accessible to everyone, not just those with industry connections.
A broker who is captive to one carrier — or who earns more for recommending one product over another — cannot give you unbiased advice. Every broker in our network is fully independent and licensed to represent multiple carriers across all major product lines.
Arizona's insurance market is genuinely different from other states — carrier availability varies dramatically by county, the ACA subsidy landscape has its own dynamics, and Medicare Advantage network adequacy varies significantly between metro Phoenix and rural Flagstaff. Local expertise matters.
Brokers are compensated by insurance carriers at the time of enrollment — not by you. There is never a fee to work with a broker in our network. If anyone charges you a fee for health insurance placement, that is not standard practice in this market.
How It Works
The process is simple. You fill out a short form, we match you with the right broker in our network for your coverage type and location, and your broker takes it from there — at no cost to you.
Fill out a short form on any page — or use the AI Coverage Advisor to get a preliminary recommendation. Tell us your coverage type, location, and situation. Takes about two minutes.
Based on your coverage needs and Arizona location, we connect you with the broker in our network best suited to your situation — whether that's ACA, Medicare, supplemental, small group, or life insurance.
A licensed Arizona broker contacts you directly — by phone, text, or email, however you prefer. They answer your questions, compare options across carriers, and provide a recommendation with no pressure.
If you decide to enroll, your broker handles the application. If you're not ready or want to explore further, there's no obligation. Your broker remains available as your ongoing resource for questions, claims help, and annual reviews.
On ongoing service: The broker relationship doesn't end at enrollment. Your broker is available throughout the year for questions about your coverage, help navigating claims, and annual review before open enrollment — ensuring your plan continues to serve you well as your situation changes. The policy certificate for your enrolled product governs all coverage terms — your broker is your first call with questions or concerns about your specific policy.
Our Broker Network
We deliberately keep our network small. Every broker we work with has been vetted against a consistent set of standards — and every one of them is fully independent.
The insurance industry has no shortage of brokers. What it has a shortage of is brokers who combine deep product knowledge with genuine independence and a commitment to ongoing client service rather than transactional enrollment.
Every broker in the AZHealthBrokers.com network was selected based on demonstrated expertise in their coverage specialty, a track record of client outcomes, and a business model built on ongoing relationships rather than one-time placements. Our network of independent brokers averages 15 years of Arizona insurance experience each — collectively representing hundreds of years of hands-on market knowledge across ACA, Medicare, supplemental, group, and life insurance. They hold active Arizona licenses across all relevant product lines and carry current errors and omissions insurance.
None of our brokers are captive agents. A captive agent works for one carrier and can only offer that carrier's products. Every broker in our network is independently contracted with multiple carriers across every major product category — which means their recommendation is based on what's right for you, not on which carrier pays them the most.
Broker compensation works the same way regardless of which carrier or plan you choose: carriers pay brokers a commission at the time of enrollment, standardized by regulation. You pay nothing. The broker's interest is aligned with yours — a client who is well-served stays enrolled, refers others, and comes back at renewal. A client who is steered wrong doesn't.
We confirm active licensure with the Arizona Department of Insurance and Financial Institutions (DIFI) before any broker joins the network and monitor license status continuously.
Network brokers must hold active carrier appointments across multiple companies in each product line they represent. Single-carrier captive agents are not accepted into the network.
Brokers are matched to leads in their area of demonstrated expertise — Medicare specialists for Medicare inquiries, ACA specialists for marketplace questions, and so on. No generalists handling complex cases outside their depth.
All network brokers carry current E&O insurance — professional liability coverage that protects clients in the event of a broker error or omission in the placement of coverage.
Network brokers operate in the Arizona market and understand county-level carrier availability, network adequacy differences between metro and rural markets, and Arizona-specific regulatory considerations.
Network brokers commit to contacting new leads within one business day. We monitor response time and client feedback continuously — brokers who don't meet service standards are removed from the network.
Why Work With Us
Every broker holds an active Arizona Department of Insurance license. Verified before joining, monitored continuously.
Our network of 10–30 vetted brokers averages 15 years of Arizona insurance experience each — across Medicare, ACA, supplemental, group, and life.
Arizona residents across metro Phoenix, Tucson, Flagstaff, Prescott, and rural communities have been matched with coverage through our network.
No fees, ever. Brokers are compensated by carriers at enrollment — standardized by regulation. You pay nothing for access to expert guidance.
No carrier affiliations, no captive agents, no preferred carrier arrangements. Recommendations are based on your needs — not on commission differentials.
Our Model — Transparent
We want you to understand exactly what AZHealthBrokers.com is and isn't before you submit a form. No ambiguity.
Get in Touch
If you have a question about how the broker matching process works, want to know more about a specific broker in our network, or have a coverage situation you'd like to discuss before submitting a form, reach out directly.
For questions or concerns about an existing policy or specific coverage terms, contact your licensed broker directly — they are your primary resource for policy-specific guidance. The policy certificate issued by your carrier governs all coverage terms, benefits, and exclusions.
For general inquiries about the site, broker network standards, or how we can help with your specific Arizona coverage situation, use the form and we'll respond within one business day.
General inquiries, network questions, or coverage situations — we'll respond within one business day.
A licensed Arizona broker will contact you within one business day. Your information is never sold. No cost, no obligation.