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.
Federal Rate Review Resources
Federal regulations require us to provide links to the following resources:
Page last updated: September 11, 2026 at 12:00 PM PST (Build v5.7.172)
Imperial Insurance Companies, Inc. offers health insurance products through the ACA Health Insurance Marketplace in Arizona and is regulated by the Arizona Department of Insurance and Financial Institutions and the U.S. Centers for Medicare & Medicaid Services.
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