Individual Health & Dental Insurance

At ECA Financial, our first priority is you and your family’s well-being. We take the time to truly understand your unique situation, listen to your needs, and learn about your goals—so we can help you build the future you envision.

We believe that lasting success is built on trust, open communication, and long-term relationships. That’s why we’re committed to being by your side every step of the way, providing honest guidance and support you can count on.

Let’s work together to create a plan that puts you first.

Individual Health Insurance

See our Blog for lots of information about individual ACA health insurance including videos that help explain how insurance works.

Open enrollment is November 1st - December 15th every year, and there is a 60 day special enrollment period (SEP) following certain life events (i.e. marriage, birth of a child, moving to another state or county, or loss of other health coverage) throughout the year.  

Shop, Quote and Enroll easily through our quote and enrollment site Health Sherpa. This will avoid the frequent and bothersome calls from marketplace reps pressuring you to enroll. If you just want to estimate your subsidy, use this link - subsidy estimate.

Did you know that families with employer health coverage may have a still have a premium tax credit available on the marketplace? See if you qualify with the Employer Coverage Tool HERE.

Check out our past online content:

Would you like a quick overview and some tips on the ACA? Lisa Martin is the AZ expert on the ACA and health insurance business partner of Wilde Wealth. Check out her webinar in 2023 - ACA Healthcare Webinar.

Check out the November 2020 podcast on The Parkinson's Experience - Healthcare Insurance Explained with Lisa Martin as a guest with Sheryl Lowenhar.

Consents

Brokers must now document that the client authorizes them to assist them on Healthcare.gov. We use 2 online consent forms

Consent Form #1 - a general authorization for Healthcare.gov assistance by a broker
Consent #2 for Application Review and Consent for any changes that are made with the broker's assistance

Companies Offering ACA Plans in AZ

• Ambetter
  • Maricopa, Pima, Pinal, Coconino, Cochise, Gila, Graham, Greenlee, Santa Cruz
    
• Antidote
  • Maricopa, Pima
• Banner Aetna 
  • Cochise, Coconino, Gila, Maricopa, Pima, Pinal, Yuma
• Blue Cross Blue Shield of Arizona  
  • All 15 counties
• Cigna
  • Maricopa, Yavapai (Connect HMO network)
    
• Imperial Health
  • Coconino, Maricopa, Pima, Pinal, Yavapai
• Medica
  • Maricopa
    
• Oscar
  • Maricopa, Pima, Pinal, Santa Cruz
• United
  • Maricopa, Mohave, Pinal, Pima

Supplemental Health, Dental and International Insurance - available all year

• BCBS Dental Insurance (broker #7628554)
• Delta Dental Individual Dental and Vision Insurance (ortho benefit for children and adults is available 9/1/25)
  • See Delta Dental brochure for plans and premiums: Delta Dental Individual Plans
    
• HSA Bank - manage or set up a health savings account
  
• IMG - International Travel Medical Insurance (policies for a week, month or year)
  
• United Healthcare Short Term Health (Gap) Plans (max of 4 months)
  

Because the content of newsgroups and websites changes constantly, it is impossible for us to review it all. Our firm is not responsible for the content of any of the above links. Please note the information being provided is strictly a courtesy. When you choose this link, you are leaving this site. When you access one of these sites, you assume total responsibility and risk for your use of the site to which you link.