State profile · AZ · CMS + NAIC
Insurance in Arizona
How health insurers handle claims in Arizona, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 24.5%
- Avg claims denied
- #3
- denial rank of 31
- $1344
- Avg auto / yr
- +26%
- Auto, 5-yr
- 6
- Insurers w/ data
The verdict
Marketplace insurers in Arizona deny 24.5% of claims — above the 21% national average, the 3rd-highest of 31 states, and drivers pay an average $1344 a year for auto cover, more than the $1191 national average.
- 24.5%
- avg claims denied
- #3
- of 31 states
- $1344
- avg auto / yr
- 42%
- highest (UnitedHealthcare o)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Arizona
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare of Ariz
UnitedHealthcare of Arizona, Inc.: 41.8% denied (782,383 of 1,873,819)
41.8 % of claims denied
- Banner Health and Aetna
Banner Health and Aetna Health Plan Inc.: 30.5% denied (724,792 of 2,374,950)
30.5 % of claims denied
- Oscar Health Plan
Oscar Health Plan, Inc.: 22.0% denied (36,030 of 163,488)
22 % of claims denied
- Cigna HealthCare of Ariz
Cigna HealthCare of Arizona, Inc: 20.8% denied (52,030 of 250,393)
20.8 % of claims denied
- Blue Cross and Blue Shie
Blue Cross and Blue Shield of Arizona, Inc.: 18.7% denied (265,397 of 1,417,132)
18.7 % of claims denied
- Health Net of Arizona 15.2
Health Net of Arizona, Inc.: 15.2% denied (604,115 of 3,986,626)
15.2 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Arizona. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Arizona, by denial rate
6 insurers reporting marketplace claims in Arizona
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare of Arizona, Inc. F | 1,873,819 | |
| 2 | Banner Health and Aetna Health Plan Inc. F | 2,374,950 | |
| 3 | Oscar Health Plan, Inc. D | 163,488 | |
| 4 | Cigna HealthCare of Arizona, Inc C | 250,393 | |
| 5 | Blue Cross and Blue Shield of Arizona, Inc. C | 1,417,132 | |
| 6 | Health Net of Arizona, Inc. B | 3,986,626 |
Auto insurance in Arizona
Auto premiums in Arizona are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $1065 average expenditure
$1,065 avg expenditure
- 2020
2020: $1043 average expenditure
$1,043 avg expenditure
- 2021
2021: $1070 average expenditure
$1,070 avg expenditure
- 2022
2022: $1155 average expenditure
$1,155 avg expenditure
- 2023
2023: $1344 average expenditure
$1,344 avg expenditure
What this shows Arizona drivers' average auto cost rose 26% between 2019 and 2023.
What the data shows for Arizona
Arizona's marketplace insurers denied 24.5% of submitted claims in the CMS data, the 3rd-highest rate of the 31 states with federal marketplace filings. Denial rates this far above the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Arizona pay an average $1344 a year — more than the $1191 national average — split across $793 liability, $436 collision and $275 comprehensive premiums. That figure has moved up 26% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Arizona can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Arizona residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Arizona's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.