Arizona Complete Health

What Arizona Complete Health does

Arizona Complete Health is a health insurance plan subsidiary of Centene Corporation (NYSE: CNC) that operates exclusively in Arizona. The company delivers managed care services across three product lines: Medicaid through a contract with the Arizona Health Care Cost Containment System (AHCCCS) under the Arizona Complete Health-Complete Care Plan brand, Medicare Advantage under the Allwell brand, and ACA Marketplace plans under the Ambetter from Arizona Complete Health brand. It is licensed and operates statewide, serving Medicaid-eligible individuals, Medicare beneficiaries, and Marketplace enrollees through a contracted provider network covering all Arizona counties.

The company's core technology consists of a managed care administration platform inherited from Centene, supporting eligibility verification, prior authorization, claims processing, provider credentialing, and member portals. It offers an interoperability API referenced through Centene's partner portal under the CMS Patient Access rule. A suite of member-facing and care-coordination modules supplements the core insurance products, including behavioral health homes, crisis intervention services, suicide prevention task forces, maternal health programs (Start Smart for Your Baby), Children's Rehabilitative Services, telehealth, and the Office of Individual and Family Affairs (OIFA) advocacy function. The company does not disclose proprietary AI/ML capabilities.

The business model is capitation-based: AHCCCS pays fixed per-member-per-month premiums for Medicaid enrollees, while Medicare Advantage and Marketplace premiums operate under separate federal frameworks. Revenue is recurring and contract-driven, with member acquisition occurring via state Medicaid enrollment, Medicare election periods, and the federal Marketplace. Arizona Complete Health employs 501-1,000 staff and is headquartered in Tempe, Arizona. The company's growth and risk profile is materially tied to its AHCCCS contract performance, Arizona Medicaid enrollment dynamics, and parent-level strategic decisions at Centene.

Name

Arizona Complete Health

Legal name

Arizona Complete Health

Website

https://azcompletehealth.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Arizona Complete Health is a Centene Corporation subsidiary that provides managed care health insurance in Arizona through Medicaid (AHCCCS), Medicare Advantage (Allwell), and ACA Marketplace (Ambetter) plans, serving members statewide.

Ownership category

akta.pro rank

Product category

Managed Care / Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Medicaid Expansion (ACA Adult) Managed Care Plans (HLAEAEAB)

akta.pro secondary industry

ACA Marketplace (On-Exchange) Individual Plans (FSAIAEAA)

Keywords

• Managed care services
• Medicaid health plans
• Medicare Advantage plans
• ACA Marketplace insurance
• Behavioral health coverage

Headquarters

HQ city

Tempe

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Medicaid Managed Care Premiums: Revenue from capitated premiums paid by AHCCCS (Arizona's Medicaid program) for enrolled members. The company receives fixed per-member-per-month payments to provide comprehensive healthcare coverage.
2. Medicare Advantage Premiums: Revenue from Medicare Advantage plan premiums (Allwell brand) for Medicare-eligible individuals.
3. Marketplace/ACA Plan Premiums: Revenue from Ambetter health insurance plans offered through the ACA Health Insurance Marketplace in nine Arizona counties for the 2026 plan year.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Arizona Complete Health is a managed care organization and subsidiary of Centene Corporation that delivers health insurance coverage to Arizona residents through three core product lines: the AHCCCS Medicaid plan (Arizona Complete Health-Complete Care Plan), the Allwell Medicare Advantage plan, and the Ambetter ACA Marketplace plan. It coordinates comprehensive medical, behavioral health, prescription drug, dental, telehealth, and care management benefits for enrolled members through a statewide contracted provider network.

Product overview

Arizona Complete Health is a health insurance provider operating as part of Centene Corporation, offering three core product lines: Medicaid Plan (serving AHCCCS members statewide), Ambetter from Arizona Complete Health (Health Insurance Marketplace Plan available in nine Arizona counties), and Medicare Advantage Plan (Allwell) for Medicare-eligible individuals. The company provides integrated healthcare services including behavioral health, crisis intervention, suicide prevention, maternal child health, dental care, and telehealth. Additional support programs include Member and Family Advocacy Councils, the Office of Individual and Family Affairs, Community Consensus Collaborative (C3), Children's Rehabilitative Services, and Autism Spectrum Disorder resources. The product portfolio operates under a platform-plus-modules architecture with core insurance products supplemented by specialized care coordination and member support services.

Differentiator

Problem solved

Functional benefit

Products and services

• Arizona Complete Health-Complete Care Plan (Medicaid) Medicaid managed care plan contracted with AHCCCS (Arizona's Medicaid program) providing comprehensive health coverage statewide, including medical care, behavioral health services, prescription drugs, preventive care, dental care, telehealth, maternal-child health programs, and member advocacy services.
• Ambetter from Arizona Complete Health (ACA Marketplace) ACA Health Insurance Marketplace plan offered by Arizona Complete Health as a product of Centene Corporation, available in nine counties in Arizona for plan year 2026 with enrollment via the federal Marketplace.
• Allwell Medicare Advantage Plan

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• AHCCCS (Arizona Health Care Cost Containment System)coreStrategic or Co-development PartnerArizona Complete Health is contracted with AHCCCS, Arizona's Medicaid program, to provide managed care services to eligible state residents. This is the company's primary government partnership enabling delivery of Medicaid managed care through the Arizona Complete Health-Complete Care Plan.
• Centene CorporationcoreOthersArizona Complete Health is a subsidiary of Centene Corporation, a Fortune 500 managed care company. Centene provides operational infrastructure, technology platforms, and corporate oversight while Arizona Complete Health focuses on local Arizona market operations.
• County Health Departments (Cochise, Pima, Yuma)coreStrategic or Co-development PartnerArizona Complete Health partners with county health departments to create local Suicide Prevention Task Forces, bringing together diverse community members to learn, share, and take action on mental health awareness and suicide prevention across Arizona communities.
• Arizona Western CollegeminorStrategic or Co-development PartnerArizona Complete Health collaborates with Arizona Western College (AWC) through the C3 Community Consensus Collaborative initiative to address healthcare workforce development challenges and expand training opportunities in Yuma County.
• Community Healthcare ProviderscoreImplementation/ SI/ Consulting PartnerArizona Complete Health maintains a contracted network of healthcare providers including primary care physicians, specialists, behavioral health providers, hospitals, and pharmacies to deliver care to enrolled members across Arizona.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Humana: Humana is a major national Medicare Advantage and Medicaid insurer with a meaningful Arizona presence. It competes with Arizona Complete Health's Allwell Medicare Advantage product and represents a broader incumbent in the government-payor space.
• Centene Corporation (other state plans): Other Centene state health plans (e.g., Sunshine Health, Superior HealthPlan) operate under the same parent with the same Ambetter Marketplace, Medicaid, and Medicare product templates. They offer the most direct operational and IT-platform comparable for Arizona Complete Health's underlying economics.

Direct peers

• Molina Healthcare of Arizona: Molina is a national government-sponsored healthcare insurer with significant Arizona Medicaid presence. As a peer Centene competitor in government programs, Molina provides a strong comparable for capitation, MLR management, and state contract strategy.
• Ambetter from Other States: Ambetter plans in other Centene states (e.g., Ambetter from Meridian, Ambetter from Home State Health) sell ACA Marketplace products using the same brand and platform, providing a direct product-line comparable for pricing, network design, and growth trajectory.
• Banner Health Plan: Banner Health Plan offers AHCCCS Medicaid and Medicare Advantage plans in Arizona, competing with Arizona Complete Health across multiple lines and operating a provider-integrated model that competes on network and care coordination.
• Health Choice Arizona: Health Choice Arizona is an AHCCCS-contracted managed care plan serving Medicaid members across Arizona. It is a direct competitor in the same Medicaid procurement and is owned by a larger regional health system, making it a structurally similar peer.
• Mercy Care: Mercy Care is one of the largest Medicaid managed care plans in Arizona and is a contracted AHCCCS MCO that serves overlapping Medicaid populations, including children with autism. It is a co-defendant with Arizona Complete Health in the ABA therapy litigation, making it the closest operational and market comparable.
• Blue Cross Blue Shield of Arizona: Arizona's largest domestic health insurer offers individual, employer, and Medicare products in the state. It competes with Arizona Complete Health in the ACA Marketplace and Medicare Advantage segments and is the most established Arizona-based competitor.
• UnitedHealthcare Community Plan of Arizona: UnitedHealthcare's Arizona Medicaid plan competes head-to-head with Arizona Complete Health in the AHCCCS program and operates across commercial, Medicare Advantage, and Medicaid lines in the same state, providing a directly comparable multi-product MCO peer.

Regional players

• Care1st Health Plan Arizona: Care1st Health Plan is an Arizona-based Medicaid MCO serving AHCCCS members, with operations now integrated under the Centene/WellCare umbrella following prior M&A. It is a relevant structural peer for the ALTCS and Medicaid-only segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AzCHealthPlan
• YouTubeyoutube.com/channel/UCsWTIIfK3X2LqREWtSDm7-g
• Facebookfacebook.com/AZCompleteHealth
• LinkedInlinkedin.com/company/arizonacompletehealth

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arizona Complete Health