Medicare in Arizona (2026): A Plain-English Guide
A plain-English look at Medicare across Arizona for 2026: what the parts cover, when you can enroll, what it costs, and how to think about Medicare Advantage vs. Original Medicare and Medigap — no rankings.
Compare Medicare options near you
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What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare options you can choose.
These listings are provided by licensed insurance partners.
Medicare Advantage plans in your area are changing or leaving for 2027.
One call tells you whether your plan is on the list — before enrollment opens.
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Medicare Advantage plans in your area are changing or leaving for 2027.
Is your plan on the list? One call tells you — before enrollment opens.
Available now — current wait: 0 min
A real person answers. About 5 minutes, no obligation.
Agents available Mon–Fri, 8am–6pm CT
Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.
Speak to a Licensed Insurance Agent
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- Your doctors — confirmed in-network for 2027
- Your prescriptions — checked against the plan's 2027 drug tiers
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The parts of Medicare
Your two main paths
Almost everyone takes one of two directions with Medicare, and neither is universally right — it depends on your doctors, your prescriptions, your budget, and how you like to handle care. Statewide, about 52% of Arizona Medicare members use Medicare Advantage rather than Original Medicare — though that varies a lot by county.
Your Part A and Part B — and usually drug coverage — come through one private plan, within a network and a county-based service area.
You keep nationwide provider freedom and usually add a stand-alone Part D drug plan, plus often a Medigap policy to make your out-of-pocket costs predictable.
This section explains how each path works so you can decide for yourself. We provide educational information only, and we never rank or recommend specific plans.
Explore each part of Medicare in Arizona
The 2027 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.9 per month in 2026 (2026 amount; 2027 figure will be posted when CMS releases it), and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails for 2027: a deductible capped at $700 and, a hard $2,400 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which for 2026 starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts. The 2027 brackets will be posted when CMS releases them.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Where to get free, unbiased help near Arizona
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.