REPORTS: Life/Health


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).

Click here for archived life/health reports.

Arizona is an Effective Rate Review State

The federal Department of Health and Human Services (“HHS”), Center for Consumer Information and Insurance Oversight (“CCIIO”), determined that Arizona is an Effective Rate Review (“ERR) state, based on the ERR requirements in the Affordable Care Act.  Arizona became an ERR state in the individual major medical health insurance market, effective January 1, 2013, and in the small group market, effective January 1, 2014. 

The Arizona Department of Insurance (“ADOI”) applied for and received three HHS Rate Review Grants.  Consequently, federal money pays for 100% of Arizona’s individual and small group ERR programs.  The original award for the Cycle I Rate Review Grant (Funding Opportunity Number RFA-FD-10-999) was $1,000,000; Cycle II Rate Review Grant (Funding Opportunity Number PRPPR130040-01-02) was $2,000,000; and Cycle IV Rate Review Grant (Funding Opportunity Number PRPPR140068-01-00) was $1,079,000.

The contents of this website and the documents attached to it are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.  

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Rate Review Grant: Effective Rate Review Analysis - Oliver Wyman
Regulatory Bulletin 2012-04

Threshold Rate Increase Review

Regulatory Bulletin 2013-04

Threshold Rate Increase Review in the Small Group Market