How Much Does Health Insurance Cost in Surprise, AZ?
Surprise pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Surprise's diversified economy.See our methodology
Health Insurance Pricing in Surprise, AZ
Surprise offers near-average pricing for health insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 140K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in health insurance costs here. Extreme heat makes HVAC essential; low humidity means different material considerations.
Market-specific factors matter in Surprise: growing population has increased demand; hard water affects plumbing systems.
Surprise has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Surprise vs National Average
What Affects Health Insurance Cost in Surprise?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Surprise Market Conditions
growing population has increased demand; hard water affects plumbing systems
Local Climate Impact
extreme heat makes HVAC essential; low humidity means different material considerations
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Top-Rated Health Insurance Pros in Surprise, AZ
7 providersElite Contractors
⭐ PREMIUMServing Surprise and surrounding areas since 2022. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable Restoration
⭐ PREMIUMServing Surprise and surrounding areas since 1991. Licensed, insured, and committed to quality workmanship at fair prices.
Quality Restoration
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Tips to Save on Health Insurance in Surprise
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Surprise Cost Trends (2020–2024)
Prices have increased +17.6% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $364 | — |
| 2021 | $379 | +4.1% |
| 2022 | $404 | +6.6% |
| 2023 | $415 | +2.7% |
| 2024 | $428 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Surprise
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Surprise than other cities?
Surprise's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
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