Director Announces ACA Transitional Policy Decision


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

Phoenix, AZ  85007-2630

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

Media Contact: Erin H. Klug (602) 364-3762

For Immediate Release Life & Health Division December 6, 2013

Phoenix – The Arizona Department of Insurance today announced that, beginning January 1, 2014, insurance carriers in the state will no longer be permitted to issue plans that do not comply with the Affordable Care Act (ACA). “In Arizona, we’ve been working with our insurance carriers on the best way to mitigate the impact on consumers by giving them the option to early renew their existing policies,” Insurance Director Germaine Marks said.

On November 14, 2013, the Center for Consumer Information and Insurance Oversight (CCIIO) announced a transitional policy that will permit health insurance issuers to continue to renew plans for individuals and small businesses for plans in place as of October 1, 2013. These plans would otherwise be modified or canceled because they do not meet minimum coverage requirements and financial protections under the ACA. CCIIO left the ultimate decision regarding whether or not to implement the transitional policy to state insurance regulators and insurance carriers.

Marks said changing the rules at this point in time creates uncertainty for consumers and insurance carriers. “We continue to be focused on how the reforms may impact premiums, the solvency of insurers, and the overall health and stability of Arizona’s insurance marketplace. To that end, we are confident that this determination helps Arizona insurance consumers consistent with Arizona law.”

Since receiving CCIIO’s letter, the ADOI has worked closely with Arizona’s insurance carriers to allow as many affected policyholders as possible to have the option to renew their existing coverage on or before December 31, 2013. Arizona law does not prohibit the offer of early renewals and this option minimizes the ACA’s impact on policyholders by extending the availability of existing non-ACA compliant policies who would otherwise receive cancellation notices effective December 31, 2013. Some of Arizona’s carriers have already offered policyholders the option to extend their 2013 coverage into 2014. The ADOI encourages those carriers to continue to offer this option and also encourages the carriers who have not offered early renewals to offer the extension of coverage. Carriers will assist policyholders who choose not to exercise the early renewal option with finding alternative affordable coverage.

About the Arizona Department of Insurance

The Arizona Department of Insurance, an agency of the State of Arizona, is responsible for the education and protection of insurance consumers and for oversight of the insurance industry in the state. 


Insurers Offering Individual Health Insurance in Arizona

Lists insurance companies that are offering health insurance to individuals and families in Arizona in 2020.  Open enrollment starts November 1st and now runs through December 17th, 2019.  Individuals can start shopping for coverage now at or (Spanish)

Notice of Proposed Rulemaking - Corporate Governance Annual Disclosure Model Regulation In 2019, the Arizona Legislature adopted the NAIC Corporate Governance Annual Disclosure Model Act at Arizona Revised Statutes (“ARS”) by enacting the Corporate Governance Act at Title 20, Chapter 2, Article 16 (Laws 2019, 1st Reg. Sess., Ch. 180, § 1).   The Department of Insurance (“Department”) seeks to adopt the correlate Corporate Governance Annual Disclosure Model Regulation.  ARS § 20-492.02 allows the Department to adopt rules to carry out the Act upon notice and an opportunity to be heard.  The Legislature has exempted the Department from Title 41, Chapter 6 for one year after the effective date of the Act.  (Laws 2019, 1st Reg. Sess., Ch. 180, § 2.)
Arizona's Surprise Bill Resolution Report for 2019

As shown in the attached report prepared pursuant to A.R.S. § 20-3118(A), the Department of Insurance received 91 requests for dispute resolution in Calendar Year 2019.  Of those, 53 have been resolved or closed, and health plan enrollees saved $41,538 by submitting their surprise bills for resolution.  

Not all health care bills qualify for the surprise bill resolution process.  The Department's Suprise Out-of-network Billing Dispute Resolution website (, and especially the section entitled, "I got a surprise bill. Can I submit a request for arbitration?") lists conditions when a health care bill may not qualify under Arizona law for the dispute resolution process.  But for those that do, the enrollee will only be responsible for paying the enrollee's cost-sharing amounts (copay, coinsurance and deductible) if the enrollee provides information the Department needs, and participates in an informal settlement teleconference with the health care insurer and the health care provider.

Regulatory Bulletin 2020-02

Implementation of Executive Order 2020‐07 Proactive Measures to Protect Against COVID‐19 and Executive Order 2020‐15 Expansion of Telemedicine.

Regulatory Bulletin 2020-03

Complying with Regulatory Requirements during the Public Health Emergency

Regulatory Bulletin 2020-04

COVID-19 and Insurance Customer Relief; Flexibility

Regulatory Bulletin 2020-01

Uninsured and Underinsured Motorist Coverage Offer Form; SB1087