Arizona

Regulator: Arizona Department of Insurance and Financial Institutions (DIFI)
External review: State-run. Request it through the regulator after the plan's final internal denial; the federal floor is 4 months (45 CFR 147.136).
Published reversal rate: 0.21% of reviews reversed the plan (2014) · source
Notes: Historic KFF-cited figure (21%). DIFI does not publish a current external-review annual report; flagged as stale.

Before external review

File the plan's internal appeal first (at least 180 days for ACA-compliant plans; the letter states the date). Ask for the claim file and the criteria the plan applied; both are free on request. Self-funded employer plans use the federal external review and the U.S. Department of Labor, not the state.

More on Arizona: state appeal rights · External Review Index entry · insurer denial rates (HealthCare.gov states).

Verified 2026-09-15. The regulator's site and your denial notice control.