From preventive care to unexpected emergencies, we've got you covered.

Peace of mind starts with the right health coverage.

At Hester Insurance, we understand that navigating the world of health insurance can be overwhelming. That's why we're here to help you find the perfect plan for you and your family. Our goal is to ensure you have all the information you need to make an informed decision about your health coverage.


All ACA-compliant major medical health plans include essential health benefits required by the Affordable Care Act (ACA). In Arizona, these plans are guaranteed issue, meaning you cannot be turned down for coverage regardless of any pre-existing conditions, ensuring everyone has access to the care they need. Key benefits of ACA-compliant plans include preventive care, such as regular check-ups and screenings to keep you healthy, everyday care coverage for routine doctor visits and treatments, and protection for unexpected illnesses and accidents, providing peace of mind for those unforeseen medical emergencies.

Lower monthly premiums, higher out-of-pocket costs. Ideal if you need basic coverage and prefer lower premiums.

Bronze Plans

Gold Plans

Higher premiums, lower out-of-pocket costs. Great if you expect frequent medical care.

Silver Plans

Moderate premiums and out-of-pocket costs. Good balance for most people, especially if you qualify for cost-sharing reductions.

Platinum Plans

Highest premiums, lowest out-of-pocket costs. Best for those who need a lot of medical care and prefer to have most costs covered.

Protect what matters most.

Preventive Care for a Healthier Future

Many plans offer additional features to enhance your coverage, such as office visit co-pays, which provide a fixed cost for visiting your doctor and make budgeting easier, and prescription drug co-pays, which ensure affordable access to necessary medications. Health Savings Account (HSA) compatible plans are also available, allowing you to save pre-tax money for medical expenses, providing financial flexibility. Your choice of doctors and hospitals is crucial, and we offer plans with a variety of networks to ensure you can continue seeing your preferred healthcare providers. Whether you need a local family doctor or access to specialized medical facilities, we can help you find a network that meets your needs.

Get in touch

Health Coverage That Grows with Your Family

At Hester Insurance, we are committed to making the process of choosing a health insurance plan as simple and straightforward as possible. We start with a thorough needs assessment to understand your specific health care requirements and budget. Next, we compare different plans to find the best match for you, considering coverage options, costs, and network preferences. Our knowledgeable team provides expert guidance, explaining the details of each plan in clear, easy-to-understand terms. Reach out today for personalized support and answers to any questions, so you can make the best decisions for your health coverage.

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