Every Arizona carrier that filed a 2027 rate change for ACA individual plans is in the federal Rate Review system. The filings are public. The spread is wide, from 3.3% to 33.9%, which tells you immediately that a single statewide average would hide more than it reveals. Below is what each carrier asked for, and what this list does and does not cover. Then why the filed percentage is almost certainly not the percentage you will pay. And if Cigna is your carrier, one change matters more than any of these numbers.
What each Arizona carrier filed for 2027
Seven carriers filed ACA rate changes. The range runs 3.3% to 33.9%, so the average is the least useful number in the set.
Taken from the federal Rate Review system, which publishes filings by state and company along with each carrier’s own plain-language justification.
What this list is, precisely, because the scope matters. These are the carriers that filed a 2027 rate change for ACA-compliant individual plans in the federal Rate Review system. That is not the same thing as every company selling individual health coverage here. Short-term, fixed-benefit and minimum-essential-coverage products do not file rates this way, so they will never appear on a list like this. Neither would a carrier that filed no change. We place several of those non-ACA products ourselves. A page claiming to cover the whole individual market would be contradicted by our own plan pages. If price is pushing you outside ACA coverage, read the tradeoffs on our short-term and private plans page first. Those are not ACA-compliant comprehensive coverage.
These are requested rates, not approved rates. Every Arizona filing is marked pending review. Arizona regulators issue approved rates in the fall, ahead of plans going on sale, and a carrier rarely receives exactly what it requested. Read these as opening positions. We update this page when Arizona approves.
Same story, other states. Alabama is a different shape: nobody leaving, and the largest carrier blaming something other than medical costs. Texas filed the mildest increases of the three and is where the subsidy question dominates everything else.
Every 2027 Arizona individual-market filing, highest to lowest
| Carrier | Requested change |
|---|---|
| Oscar Health Plan | 33.9% |
| Imperial Insurance Companies | 30.1% |
| Blue Cross Blue Shield of Arizona | 29.6% |
| UnitedHealthcare of Arizona | 28.6% |
| Health Net Community Solutions | 28.0%, but off-exchange only for 2027, so its plans carry no subsidy |
| Arizona Complete Health | 24.6% |
| Antidote Health Plan | 3.3% |
Scroll the table sideways to see every column.
Requested, not approved. Six of the seven filings are on-Marketplace. Arizona regulators issue approved rates in the fall, and a carrier rarely receives exactly what it requested. Source: the federal Rate Review system.
- We are not publishing a statewide average, on purpose. Arizona has not published one, and two carriers did not disclose how many members their filings cover. Any average we produced would be arithmetic dressed up as a fact. What is honest is the range: 3.3 to 33.9%.
The honest number is the range: 3.3% to 33.9%, not an average. Two carriers did not disclose member counts, so any average would be arithmetic dressed up as a fact. Highlighted: Health Net filed off-exchange only, so no subsidy applies to it.
If Cigna is your carrier, the percentage is not your problem
Cigna filed for Arizona small group but not for individual coverage. Individual members are choosing a new carrier for 2027 either way.
This is the Arizona-specific fact that outranks every number above.
The Marketplace backstop is worth having, but it is a mapping, not advice. We wrote up the whole sequence in what Arizona Cigna members should do now.
The filed percentage is not your percentage
If you get a premium tax credit, the benchmark moves with the market and absorbs much of the increase.
Your credit is pegged to a benchmark plan, the second-cheapest silver plan available to you, and that benchmark is re-set every year. When the whole Arizona market rises together, the benchmark rises with it and your credit rises too. So your net premium can move far less than 29% suggests. More on how ACA Marketplace plans and subsidies work.
Where it stops working is above 400% of the federal poverty level, where there is no credit and a filed increase lands in full. That line is a different income for every household size. We do not re-explain the arithmetic here because we have already written it up properly: how your income estimate affects your subsidy.
Two things that are specific to shopping in Arizona
Every plan on the Arizona Marketplace is an HMO, and the field has been reshuffling fast. Both change how you compare.
Before either of them, the number that reframes everything above. About 83% of Arizona Marketplace enrollees received financial help in 2026, so for most households here the subsidy mechanics matter more than any carrier’s filing. And Arizona comes into 2027 off a steep year: the approved 2026 increase was roughly 46% before subsidies. Against that, a 2027 field clustered in the high twenties and low thirties is a smaller jump than last year, not a larger one.
Then the churn. The field of who is even selling here has been shifting, and that matters more than a percentage. A plan that does not exist next year cannot be renewed. And a carrier new to the state has no track record with your doctors. Check your doctors and your hospital by name against the specific plan you are considering, because one carrier can run several different networks.
What to do before open enrollment
Arizona-specific, in order, and the Cigna item has the tightest clock.
One calendar note. Open enrollment opens November 1. December 15 is the cutoff for coverage starting January 1 and January 15, 2027 closes enrollment. Those dates were unsettled for months after a June 2026 court ruling vacated the shortened-window rule, and CMS has since confirmed January 15. our Arizona page carries the rest.
- Cigna individual members, start first. You are changing carrier regardless, and the plans that fit your doctors get taken.
- Check the HMO network before the price. Every Arizona Marketplace plan is an HMO. A referral requirement and a closed network are the baseline, not a downgrade you chose.
- Rerun your credit against the new benchmark. Five minutes, and it changes what these percentages mean for you.
- Ignore Health Net if you want a subsidy. It filed off-exchange only for 2027, so no premium credit applies to it.