How Much Does Health Insurance Cost in Tempe, AZ?
Tempe pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Tempe's diversified economy.See our methodology
Health Insurance Pricing in Tempe, AZ
Tempe 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 180K 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 Tempe: growing population has increased demand; hard water affects plumbing systems.
Tempe 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.
Tempe vs National Average
What Affects Health Insurance Cost in Tempe?
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
Tempe 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 Tempe, AZ
6 providersReliable Restoration
🏆 SPONSOREDServing Tempe and surrounding areas since 1990. Licensed, insured, and committed to quality workmanship at fair prices.
Apex Contractors
⭐ PREMIUMServing Tempe and surrounding areas since 2007. Licensed, insured, and committed to quality workmanship at fair prices.
First Choice Property Services
⭐ PREMIUMServing Tempe and surrounding areas since 1996. Licensed, insured, and committed to quality workmanship at fair prices.
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Tips to Save on Health Insurance in Tempe
- 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 Tempe Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $382 | — |
| 2021 | $398 | +4.2% |
| 2022 | $424 | +6.5% |
| 2023 | $436 | +2.8% |
| 2024 | $450 | +3.2% |
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 Tempe
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 Tempe than other cities?
Tempe'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.
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