Arizona insurance laws
What Arizona has enacted on insurance, what each law requires, and what the bills still moving would do. Arizona is one of 51 states that enacted an insurance law in the 2025 and 2026 sessions.
- Bills in scope
- 91bills in scope
- Past committee
- 44past committee
- Most recent action
- 22 June 2026most recent action
Insurance laws enacted in Arizona
23 insurance laws enacted in the Arizona Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.
What it requires: Modeling organizations must file with the director their constitution, bylaws, resident agent information, and types of insurance before making predictive models available to insurers in Arizona. Insurers may not use predictive models unless approved by the director. Modeling organizations must not engage in unfair practices.
AI and data in underwriting and claims
Workers' compensation, surety and specialty lines
Health coverage and plan regulation
Property, catastrophe and climate risk
What it requires: Health care providers, health care institutions, and drug manufacturers must not pay premiums or subscription fees for enrollees under health benefits plans. Persons must not offer, pay, solicit, or receive commissions, bonuses, rebates, kickbacks, or bribes in return for referring patients to or from sober living homes or substance use disorder treatment facilities. Insurance producers must not knowingly provide false or fraudulent information about eligibility for or enrollment status in health benefits plans.
What it requires: Authorized domestic insurers, other insurers, and formerly authorized insurers must file annual premium tax reports by March 1 and pay premium taxes at specified rates on net premiums. Insurers with annual tax obligations of $50,000 or more must file monthly reports and make quarterly payments from March through August.
What it requires: A dental insurer or holding company may not have any ownership interest in a business organization that offers professional services regulated by the board. Business entities offering dental services must register with the board, file applications describing services and responsible dentists, and establish written protocols for secure storage and transfer of patient dental records.
Health coverage and plan regulation
What it requires: Associations must meet specified requirements to qualify as bona fide associations for offering health benefits plans. Path 1 associations must be formed for purposes other than obtaining insurance, have constitutions and bylaws, insure at least twenty-five members, and not condition membership on health status. Path 2 associations must meet federal ERISA employer definitions.
Licensing, solvency and market conduct
What it requires: A person may not prepare, issue, request or require a certificate of insurance that contains false or misleading information, purports to alter or extend coverage, or claims policy compliance with contract requirements. The director shall prohibit certificates that are unfair, misleading, deceptive, or violate public policy or law.
Licensing, solvency and market conduct
What it requires: Salaried employees of insurers or managing general agents who held an active designated home state adjuster license in another state before January 1, 2026 and are in good standing may obtain an Arizona adjuster license without examination by submitting an application, fee, and fingerprints by June 30, 2027. Licensed adjusters under this section must adjust claims only as salaried employees and may not adjust claims on behalf of insureds or in any other capacity.
Licensing, solvency and market conduct
What it requires: Insurers writing homeowners insurance in heightened fire risk areas must report annually by April 1 to the director detailed policy data including issuance dates, nonrenewal/cancellation reasons, zip codes, premiums, deductibles, coverage limits, and claims paid. The director must compile aggregated reports for the governor and legislature.
Licensing, solvency and market conduct
What it requires: Health care institutions must provide departing new parents and family members with written materials on maternal mental health conditions. Health care institutions, primary care physicians, primary care practitioners, and other health professionals rendering prenatal, postnatal, or pediatric infant care must provide these materials to any woman upon learning of pregnancy or presenting with signs of maternal mental health disorder.
Health coverage and plan regulation
What it requires: Before a health care insurer may deny a claim submitted by a provider based on medical necessity or issue a direct denial of a prior authorization requested by a provider involving medical necessity, the medical director shall individually review the denial and exercise independent medical judgment without relying solely on recommendations from any other source.
Health coverage and plan regulation
What it requires: A dormant captive insurer must maintain at least $125,000 in unimpaired paid-in capital and surplus and submit an annual financial report verified by oath within ninety days after fiscal year end. A dormant captive insurer may not issue insurance policies or conduct insurance business until surrendering its certificate of dormancy and receiving director approval.
Workers' compensation, surety and specialty lines
What it requires: Hospital service corporations, medical service corporations, health care services organizations, group disability insurers, and blanket disability insurers must not exclude or deny coverage for treatment of autism spectrum disorder or medically necessary behavioral therapy services based solely on that diagnosis. Behavioral therapy coverage is limited to fifty thousand dollars per year for eligible persons up to age nine and twenty-five thousand dollars per year for those ages nine to sixteen.
Health coverage and plan regulation
What it requires: Subscription contracts, evidence of coverage, disability insurance policies, group or blanket disability insurance policies, and Arizona Health Care Cost Containment System administration may limit coverage for human organ transplants or post-transplant care when the transplant operation is performed in the People's Republic of China or Hong Kong Special Administrative Region, or when the organ was procured by sale or donation originating in those locations.
Health coverage and plan regulation
What it requires: All insurers transacting workers' compensation insurance in this state must participate in the assigned risk plan. An employer refused coverage by two or more insurers shall be placed in the assigned risk plan unless the employer fails to meet health and safety requirements, denies audit access, has outstanding disputed premiums, or knowingly misrepresents on the application.
Workers' compensation, surety and specialty lines
What it requires: Insurers marketing life insurance policies must identify to the director whether each policy form will be marketed with or without an illustration. Insurers must prepare and deliver basic illustrations complying with detailed format, content, and accuracy requirements. Illustration actuaries must certify annually that disciplined current scales and illustrated scales meet regulatory standards.
Life insurance and annuities
What it requires: Health insurers must conclude credentialing within sixty calendar days and loading within one hundred thirty calendar days after receiving a complete credentialing application. Health insurers must process and pay claims as in-network claims for services rendered after notification of complete credentialing application if the provider later executes a network participation contract.
Health coverage and plan regulation
What it requires: Health insurers must include a department-prescribed notice of enrollee dispute rights in each explanation of benefits or claim adjudication notice involving noncontracted health care providers, except for claims subject to the no surprises act. Health care providers, their representatives, and billing companies must provide written notice of the dispute resolution process when contacted about surprise out-of-network bills not subject to the no surprises act.
Health coverage and plan regulation
What it requires: Every employer affected by this chapter and every physician attending an injured employee must file with the commission and the employer's insurance carrier a full and complete report of every known injury arising out of or in the course of employment resulting in loss of life or injury requiring medical treatment. The employer must inform the insurance carrier and commission within ten days after receiving notice of an accident and must provide the employee with the insurance carrier's name, address, policy number and expiration date immediately upon notice of an accident.
Workers' compensation, surety and specialty lines
What it requires: The board shall establish and control a public safety cancer insurance policy program account, deposit collected monies into it, and use funds to pay for group cancer insurance and program administration. The board may use up to ten percent of deposited monies or five percent of the most recent year's deposit for administrative costs. The board shall cause an independent audit at the end of each fiscal year and report results to employers within six months.
Workers' compensation, surety and specialty lines
What it requires: Pharmacy benefit managers and health care insurers must not limit or exclude coverage of a prescription drug for a covered individual who is on that drug if it was previously approved and the individual remains enrolled. They must provide sixty days' notice before formulary changes and establish a clear formulary exception process with response times of seventy-two hours or twenty-four hours for expedited requests.
Health coverage and plan regulation
Insurance in Arizona, by topic
Health coverage and plan regulation
52 bills, 9 enacted. Enacted in 47 states.
Licensing, solvency and market conduct
13 bills, 4 enacted. Enacted in 47 states.
Workers' compensation, surety and specialty lines
10 bills, 5 enacted. Enacted in 45 states.
Property, catastrophe and climate risk
5 bills, 1 enacted. Enacted in 31 states.
AI and data in underwriting and claims
4 bills, 1 enacted. Enacted in 12 states.
Auto insurance
3 bills. Enacted in 29 states.
Life insurance and annuities
1 bill, 1 enacted. Enacted in 24 states.
Insurance bills in Arizona
The bills not yet law, furthest along first, with what each would do.
23Enacted
2Cleared both chambers
19Past committee
47Introduced or inactive
91 bills in scope
Cleared both chambers
2
What it would do: Beginning January 1, 2027, prohibits health care insurers from reimbursing health professionals at different rates based on a covered individual's decision to refuse one or more vaccines.
What it would do: Allows insurance plans to limit coverage for genetic sequencing performed on devices produced by or controlled by foreign adversaries including China, Russia, Iran, North Korea, Cuba, Venezuela, Syria, and Hong Kong. Prohibits health care institutions from using such genetic sequencers and requires removal by December 31, 2026, with civil penalties of $20,000 per violation.
Past committee
19
What it would do: Requires health benefits plans offered by accountable health plans that cover diabetes to also cover medically necessary diabetes equipment and supplies prescribed by a health care provider, including blood glucose monitors, test strips, insulin, syringes, lancets, and continuous glucose monitors for Type 1 diabetes members.
What it would do: Requires hospital service corporations, medical service corporations, health care services organizations, disability insurers, and group or blanket disability insurers to reimburse certified registered nurse anesthetists at the same rate as physicians for services, effective on issuance, amendment, or renewal of policies, while allowing variable rates based on quality or performance measures.
What it would do: Changes terminology in Arizona's occupational safety and health and boiler inspection statutes, replacing 'director' with 'chief' and 'ombudsman' with 'resource officer,' and makes conforming grammatical and stylistic edits throughout these provisions.
What it would do: Requires the Arizona workers' compensation commission to maintain a public database of employer insurance information and investigation records, and mandates insurers provide policy details and declaration pages including QR codes, employee counts, and payroll estimates to the commission.
What it would do: Requires health insurers covering gender transition procedures to also cover gender detransition procedures beginning January 1, 2027, and mandates monthly reporting to the department on detransition claims. Requires state agencies to establish expedited procedures for individuals to update their official documents during gender detransition.
What it would do: Increases the annual assessment on insurers for the fraud unit from $1,050 to $1,350 per insurer authorized to transact business in Arizona, effective retroactively from June 30, 2026.
What it would do: Requires health care services plans to report annually to the department on claims denial and prior authorization practices, with the department aggregating and publicly posting the data. Amends claims payment requirements and establishes a stakeholders review process by July 1, 2032.
What it would do: Requires AHCCCS to cover prescription antipsychotic drugs for members 18+ with serious mental illness without prior authorization, except allowing step therapy requiring failure on up to two distinct antipsychotic drugs, with real-time electronic adjudication and bypass options.
What it would do: Establishes procedures for salvage auction dealers to obtain title to salvage vehicles when insurance companies cannot obtain certificates of title due to claim denial, lack of coverage, or owner non-cooperation, after providing notice and waiting periods to owners and lienholders.
What it would do: Requires hospital service corporations, medical service corporations, health care services organizations, disability insurers, and group or blanket disability insurers to provide coverage for standard fertility preservation services including at least three plan years of storage for individuals of reproductive age diagnosed with cancer whose treatment will likely cause infertility, effective January 1, 2027, with exemptions available for religious employers.
What it would do: Allows insurers covering firefighters and fire investigators to file one additional uniform percentage rate deviation to increase statewide rates for those class codes to address anticipated losses from presumptive cancer coverage claims, if not reimbursed by the municipal firefighter cancer reimbursement fund, supported by actuarial analysis.
What it would do: Beginning January 1, 2027, prohibits the Arizona Health Care Cost Containment System Administration from requiring 100 percent prepayment review for behavioral health services provided to American Indian health program members, unless a corrective action plan is implemented and the provider is noncompliant or not engaged.
What it would do: Requires insurers offering Medicare supplement insurance to persons age 65+ to also offer the same benefits to persons under 65 enrolled in Medicare due to end-stage renal disease or amyotrophic lateral sclerosis, with an open enrollment period from December 2, 2025 through June 1, 2027, and prohibits charging higher premiums to these younger enrollees.
What it would do: Requires insurers to review and respond to third-party settlement demands within thirty days, with the thirty-day period beginning on the postmark date or the date of email or fax transmission.
What it would do: Requires health care insurers to provide contact information for questions about claim denials and prior authorization denials, and to provide substantive responses to such questions within two business days of receipt.
What it would do: Amends workers' compensation death benefits to clarify that surviving spouses receive two years' compensation in one sum upon remarriage. Applies retroactively to December 31, 2023 for spouses of first responders, including law enforcement officers, firefighters, paramedics, and volunteer first responders.
What it would do: Repeals a prior statute and adds a new provision terminating the Department of Insurance and Financial Institutions on July 1, 2033, if voters approve a constitutional amendment repealing the department's authority, with related statutes repealing January 1, 2034. Continues the department to administer insurance and financial institution laws.
What it would do: Prohibits insurance producers from canceling or refusing to renew fire insurance policies for twenty-four months following a gubernatorial emergency declaration for natural disasters or wildfires, for insureds residing or located within five miles of the disaster.
What it would do: Requires health care insurers to provide a detailed explanation when denying a claim or prior authorization, and to provide the name and contact information of an individual or department that can address questions about the denial.
Introduced or inactive
4 of 47 shown
What it would do: Corrects grammatical errors in Arizona Revised Statutes section 23-928 by removing redundant articles in the workers' compensation investigation provisions regarding commission agents' appointment and powers.
What it would do: Requires watercraft owners who rent or charter vessels to maintain commercial boat liability insurance with minimum coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $20,000 for property damage. Establishes peer-to-peer watercraft sharing programs with similar insurance requirements and penalties of class 3 or class 1 misdemeanors for violations.
What it would do: Prohibits hospital service corporations, medical service corporations, health care services organizations, disability insurers, and group disability insurers from imposing cost sharing for diagnostic prostate cancer screenings for high-risk men, effective January 1, 2027 for newly issued, amended, or renewed policies.
Showing the 25 furthest along of 68. Subscribers see all of them, filtered and searchable. Bill titles link to the Arizona Legislature's own page.
What counts as insurance legislation
In scope: Health coverage and plan regulation; auto; property and catastrophe; life and annuities; aI and data in underwriting; workers' compensation and specialty lines; and licensing, solvency and market conduct.
Questions
Does Arizona have an insurance law?
Yes. Arizona enacted 23 insurance laws in the 2025 and 2026 sessions, among them HB 2174, SB 1136 and SB 1165. Each is listed on this page with what it requires.
Which insurance bills are moving in Arizona?
21 bills not yet law have passed a committee or a chamber, the furthest along SB 1212 (vetoed), HB 2693 (vetoed) and HB 2083 (passed chamber).
What does Arizona legislate on most in insurance?
Health coverage and plan regulation (52 bills), Licensing, solvency and market conduct (13 bills) and Workers' compensation, surety and specialty lines (10 bills).
Are these summaries reviewed by a lawyer?
No. Which bills count as Insurance bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Arizona
- AI in Arizona20
- Alcohol in Arizona14
- Cannabis in Arizona25
- Children's Online Safety in Arizona16
- Cybersecurity in Arizona6
- Data center and energy in Arizona9
- Data Privacy in Arizona20
- Employment in Arizona74
- Healthcare in Arizona201
- Intellectual Property in Arizona7
- Packaging and PFAS in Arizona3
- Payments and fintech in Arizona12
- Rental housing in Arizona59
- Tobacco and nicotine in Arizona10
- Transportation in Arizona15
- All jurisdictions
Insurance legislation in other jurisdictions
52 more currently hold bills in this tracker
- New Jersey539
- New York481
- Texas314
- Massachusetts246
- Connecticut230
- Louisiana214
- Maryland208
- Missouri197
- Hawaii190
- Rhode Island188
- Mississippi187
- Florida185
- West Virginia175
- Illinois174
- Virginia158
- Montana155
- Oklahoma152
- Pennsylvania152
- California146
- Michigan137
- Iowa127
- Georgia112
- Kentucky109
- Tennessee99
- Indiana93
- South Carolina86
- North Carolina80
- Minnesota78
- Oregon74
- Ohio70
- Utah70
- Arkansas68
- Washington67
- Kansas66
- Maine66
- New Hampshire63
- Nebraska60
- New Mexico59
- Colorado56
- Nevada54
- Congress48
- Wisconsin48
- Idaho47
- Alaska38
- Alabama32
- Delaware30
- North Dakota29
- Vermont29
- South Dakota21
- District of Columbia8
- Puerto Rico6
- Wyoming4
Know when Arizona's insurance law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.