COMPLIANCE: Life/Health/Annuity Rate Filing Requirements


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).

The Patient Protection and Affordable Care Act (PPACA) requires States to provide a mechanism for the public to comment on certain health insurance premium rate increase filings, and allow parties to view summary details of health insurance premium rate increases with an annual increase of 10% or more, called "threshold rate increases."

You can access information about health insurance premium rate increases in two ways:

The Health Filing Access Interface ("HFAI") is an online tool that allows you to view PPACA-related health insurance filings submitted to the Department of Insurance since June 10, 2010. You can now easily view details of health insurance premium increases and you can comment on open rate-increase filings. Click one of the following links for more information concerning health insurance rate filings:

  • Click here for instructions on how to use the HFAI system.
  • Click here to search health insurance filings using HFAI.

On the Rate Review page, maintained by the US Centers for Medicare & Medicaid Services (CMS), you can find information about "threshold health insurance rate filings," when insurance companies propose premium rate increases of 10% or more. 

  • Click here to search threshold rate filings using the Rate Review page.
  • Click her for the Center For Consumer Information & Insurance Oversight page.
  • Click here to sign up to be notified when health insurers submit threshold rate filings and when the Department determines whether an increase is reasonable or not reasonable.
  • Click here to view previous threshold rate filings and determinations.
  • Click here to view a list of the threshold rate increases (10% or greater) requested by Arizona major medical health insurers to be effective on 1/1/16. The document also contains information for finding additional information regarding these rate filings.
  • To comment on the rate filings, please email Life and Health Division at [email protected] or mail your comments to:

Attn: Steven Noble
Life & Health Division
Arizona Department of Insurance
100 N 15th Ave # 102
Phoenix, AZ 85007-2624

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

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.