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2026 Premium Rate Review — Arizona Individual & Family Plans

As required by federal regulations, Imperial Insurance Companies, Inc. is providing the following information about premium rate changes for our 2026 Individual and Family HMO plans offered in Arizona. This information is provided in accordance with 45 CFR § 156.210.

2026 Rate Increase Summary

Imperial Insurance Companies, Inc. has submitted a 2026 rate filing for its
Individual HMO plans in Arizona. The weighted average premium increase is 19.3%. Individual plan increases range from 1.29% to 21.64% depending on the plan.

The primary factors driving this increase are:

  • Medical and pharmacy cost increases (approximately 7% impact)
  • Administrative costs including claims processing and overhead
    (approximately 5% impact)
  • Benefit changes required by law, including changes to cost sharing
    provisions and out-of-pocket maximums
  • Expected changes in member health risk due to the expiration of
    enhanced premium tax credits (approximately 5% impact)

Full Rate Justification

The complete consumer narrative rate justification submitted to the federal
Marketplace is available for download below.

2026 Rate Justification — Imperial Insurance Companies, Inc. (PDF)

Federal Rate Review Resources​

Federal regulations require us to provide links to the following resources:

Review our rate filing on the federal rate review portal
https://ratereview.healthcare.gov

Shop and compare plans on Healthcare.gov
https://www.healthcare.gov

Arizona Department of Insurance and Financial Institutions
https://difi.az.gov

This rate review information is provided in accordance with 45 CFR § 156.210. Imperial Insurance Companies, Inc. is regulated by the Arizona Department of Insurance and Financial Institutions and the U.S. Centers for Medicare & Medicaid Services.

When submitting a claim for a covered service, please submit a written request with the following information:

  • Date of service
  • Provider/office name
  • Diagnosis code
  • CPT/HCPCS/REV code
  • Provider NPI
  • Amount billed
  • Any applicable medical records

For your convenience, claim forms can be found here:

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