Information about Health Insurance Rate Increases

Major Medical Health Insurance Rate Information

The Patient Protection and Affordable Care Act requires states to provide certain information about "threshold" (15% or greater) rate increase filings, and to provide a way for the public to comment on the requested threshold rate increase filings.  This page contains instructions for you to access the rate filing information for plan year 2019 and to provide public comments on open threshold rate filings to the Department. 

2019 Major Medical Rate and Plan Information

Threshold Rate Increase Information

The Department welcomes your comments regarding open threshold rate filings. Please see below, Comment on Proposed Threshold Rate Increases, for instructions on how to submit your comments.   

Comment on Proposed Threshold Rate Increases

After reviewing information about a rate filing on, you can submit comments about rate increase filings by emailing the Department at [email protected].  Please include the Company Name and Product Name in your email.  The Department will review comments prior to issuing a final determination regarding whether the rate increase meets the regulatory standards for a reasonable threshold increase.

Search Specific Filings to View Detailed Rate Increase Information

There are two websites where you can search for and view detailed information about rate filings. 

1.  SERFF Filing Access (SFA)

SFA allows the general public to view closed form, rate, rule, and health plan binder filings that have been submitted to the Department in an electronic format through the System for Electronic Rate and Form Filing (SERFF). 

  • Access and review the instructions on the Department’s SERFF Filing Access page.
  • At the bottom of the page, click [Proceed to SFA].
  • Click [Begin Search].
  • You must review and accept the Terms of Use to proceed.
  • On the Filing Search page, select Business Type:  Life, Accident/Health, Annuity, Credit.
  • The quickest way to view 2019 filings is by searching by the filing’s SERFF Tracking Number, but you may also search by Company Name or other criteria. SERFF Tracking Numbers for 2019 rate filings are available here.


You can use the web page to find information about rate change requests including access to summarized information about filings.  Follow these steps:

  • Access the search page.
  • On the search page, click the [SEARCH ACA-COMPLIANT PRODUCTS] button.
  • For the "State" field, use the dropdown to select “Arizona”.
  • For "Company Name," enter the first characters of the company's name. For example, to search for "XYZ123 Insurance Company," you could enter 'XYZ123.'
  • For the "Effective Date Range" (which is the range of dates that the new insurance rates will be effective), enter from 01/01/2019 to 12/31/2019.
  • Click the [SUBMIT SEARCH] button.
  • Click the link for the filing for which you want information.
  • You can view ADOI's final determination concerning threshold (15% or greater) rate increases at or on the Department’s website. 

Frequently Asked Questions

CCIIO (U.S. Center for Consumer Information and Insurance Oversight)

The CCIIO web page provides links to additional information concerning the Patient Protection and Affordable Care Act.

Arizona is an Effective Rate Review ("ERR") State

Arizona has been designated an ERR state for the individual and the small-group major medical health insurance markets (effective 1/1/2013 and 1/1/2014 respectively) based on HHS regulations (see 45 CFR Part 154).  ADOI is using federal grant funds to develop, implement and manage the Department's individual and small-group ERR programs (Funding Opportunity PRPPR140068-01-00). For further information about the rate review grants, please send an email to [email protected].

Additional Assistance

For additional assistance, please send email to [email protected].

2018 Major Medical Rate and Plan Information 

2017 Major Medical Rate and Plan Information

Warning - Phishing Scam

We are aware of a phishing scam targeting insurance professionals claiming that the National Association of Insurance Commissioners received a complaint that the professional submitted a falsified claim. This fraudulent email displays the NAIC and CIPR logos, can originate from what appears to be an or email account, and instructs the recipient to click on a link to download the complaint notification.

Certain antivirus products will detect this as a malicious email.  If you receive a similar email and have any concerns, contact the NAIC Service Desk at (816) 783-8500 or [email protected].

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