Phoenix Insurance Guide 2025: How to Choose the Right Coverage This Fall
Fall is the perfect time to review your insurance coverage, and this Phoenix insurance guide 2025 is here to help you make sense of it all. Between Medicare Annual Enrollment and Marketplace Open Enrollment, this season gives you the opportunity to update or adjust your coverage for 2026.
Whether you’re reviewing Medicare, Marketplace (ACA) health plans, dental or vision coverage, life insurance, supplemental options, or travel insurance, taking the time to look at your plans now can make a real difference for your health and budget next year.
1. Know Which Enrollment Period Applies to You
There are two main enrollment windows happening this fall in Arizona.
Medicare Annual Enrollment runs from October 15 through December 7, 2025. If you already have Medicare, this is when you can review your current plan, compare options, or switch coverage for 2026.
Marketplace (ACA) Open Enrollment runs from November 1, 2025 through January 15, 2026. This period allows individuals and families under 65 to apply for or renew health insurance through the Health Insurance Marketplace.
Even if your current coverage still works, this Phoenix insurance guide 2025 recommends reviewing your plan details. Premiums, deductibles, and prescription coverage can change each year.
2. Review All Types of Insurance Coverage
Open Enrollment isn’t just about health insurance. It’s also a good time to review your dental, vision, supplemental, travel, and life insurance plans to make sure everything still fits your needs.
Dental insurance covers cleanings, exams, and procedures that protect both oral and overall health.
Vision insurance helps with exams, glasses, and contacts while catching early signs of health conditions.
Supplemental insurance offers added protection for hospital stays, accidents, or critical illness.
Travel insurance covers unexpected medical issues or trip cancellations while you’re away from home.
Life insurance ensures your family is financially protected and gives you peace of mind.
This Phoenix insurance guide 2025 encourages reviewing all your policies together to be sure you’re fully protected, not just medically but financially too.
3. Compare Plans for Coverage, Not Just Price
When you’re reviewing your options, don’t focus only on the monthly premium. Consider the full cost of care, including deductibles, provider networks, prescription drug lists, and out-of-pocket maximums.
A slightly higher premium plan can often save you much more if you need ongoing care or prescriptions. Comparing plans side by side can help you find the best overall value.
4. Don’t Miss Out on Subsidies and Savings
Most people in Arizona qualify for some type of premium assistance. Marketplace health insurance offers income-based tax credits that can significantly lower your monthly cost.
For example, a single person earning around $50,000 may qualify for hundreds of dollars in savings each month. Medicare beneficiaries can also save by comparing drug plans or applying for programs like Extra Help.
Your Phoenix insurance guide 2025 wouldn’t be complete without reminding you that financial help is available—you just need to apply during the enrollment period.
5. Work with a Licensed Insurance Agent
Choosing coverage can be confusing, but you don’t have to do it alone. A licensed HealthMarkets agent like Daisy Nadolski provides one-on-one help at no cost to you.
Daisy works with clients across Phoenix, Gilbert, Chandler, Mesa, Queen Creek, and Scottsdale to compare options for:
Medicare Advantage and Supplement plans
Marketplace health insurance
Dental and vision coverage
Supplemental, travel, and life insurance
She’ll help you find the coverage that fits your health needs, your doctors, and your budget for the year ahead. Review our FAQs here for commonly asked questions about insurance.
6. Start Early to Avoid the Rush
The earlier you review your insurance options, the better. Starting early gives you more time to compare plans, ask questions, and finalize your choices before the busy season.
This Phoenix insurance guide 2025 encourages residents to start planning in October rather than waiting until December or January when deadlines get tight and plans fill up.
Final Thoughts
This fall is your chance to make sure your insurance coverage—health, dental, vision, life, supplemental, and travel—still matches your lifestyle and your goals. A little preparation now can save you time, money, and stress next year.
If you’re in the Phoenix area and ready to review your coverage, contact Daisy Nadolski today for a free consultation. She’ll make the process simple, clear, and completely tailored to you.
