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If fact, the top seven percentage-increasing counties are in Arizona: La Paz, Yuma, Gila, Maricopa, Pinal, Pima and Santa Cruz. Choices for health care plans are mainly evaporating. Only one county, Pima, will have more than one insurer, and one of those is only offering catastrophic coverage not suitable for many people. Blue Cross Blue Shield Arizona provides that coverage, plus comprehensive plans in all other counties except Maricopa. Health Net is the other insurer in the state, selling plans in Maricopa and Pima County. That shrinking number of choices is a startling change from the current landscape. Maricopa County, for instance, had 11 insurers in 2015 and eight this year. Insurers such as UnitedHealthCare and Humana pulled out because of big losses. The pullout of insurers means more than half the people who currently have policies will need to change insurers at the beginning of the year, with just Blue Cross and Health Net remaining. Letters informing clients of HealthChoice, UnitedHealthcare, Cigna, Humana, Aetna and Phoenix Health Plan that they're discontinuing coverage are now being mailed. Most clients will be automatically enrolled in a remaining plan, but the new insurance may not have the same pharmacy benefits or preferred doctors and hospitals.

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