Information about Health Insurance Rate Increases


Arizona Department of Insurance
100 North 15th Avenue, Suite 261

Phoenix, AZ  85007-2630

Starting July 1, 2020, we became the
Department of Insurance and Financial Institutions (DIFI).

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 2020 and to provide public comments on open threshold rate filings to the Department. 

    2021 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) - Plan Year 2021 Information Available after October 15, 2020

    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 2020 filings is by searching by the filing’s SERFF Tracking Number, but you may also search by Company Name or other criteria. 


    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 01/01/2021 to 12/31/2021.
    • Click the [SUBMIT SEARCH] button.
    • Click the link for the filing for which you want information.
    • You can view the Department'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).  


    Additional Assistance

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


    2020 Major Medical Rate and Plan Information


    2019 Major Medical Rate and Plan Information


    2018 Major Medical Rate and Plan Information 


    2017 Major Medical Rate and Plan Information

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