Groups that help insurers set rates, now called "modeling and data organizations," must file the rate models insurers use in Arizona with the insurance director, and those filings are kept confidential.
Official title: insurance; modeling and data organizations
- September 12, 2026
What changes
BeforeOrganizations that compile loss data or recommend rates to insurers were called "advisory organizations" and filed only their governing documents, member lists and a contact for legal notices.
NowThey are called "modeling and data organizations" and must also file with the director the models insurers in Arizona will use to make rates. The director may require supporting data or other information needed to verify that a model complies with state insurance law.
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NowModels, model outputs and any supporting data or extra information the director requests from these organizations are confidential, cannot be subpoenaed and are not subject to title 39, chapter 1 of state law.
BeforeThese organizations had to file an agreement letting the director examine them, and the director's examination powers listed them.
NowThe required examination agreement is removed, and these organizations are taken out of the director's examination powers in the 2 sections covering examinations of rating and rate service organizations.
BeforeThese organizations had to file a list of their members.
NowThey must file a list of their insurer members, if applicable.
BeforeA reinsurance rule exemption required the receiving insurer to be licensed in at least 26 states (or 10 states plus licensed or accredited in 35 total) in all cases.
NowThat multistate licensing requirement now applies only to insurers qualifying through at least $250,000,000 in capital and surplus, not to those qualifying through the other 2 routes, such as being certified in Arizona.
Who it affects
- Insurers licensed in Arizona, especially property and casualty insurers
- Organizations that compile insurance data or build rate models for insurers
- Reinsurers and insurers that pass risk to them
- Arizona Department of Insurance and its director
What you need to do
Nothing.
What the law doesn't answer
- What exactly counts as a "model" that must be filed
- Any deadline for filing models
- Whether the director must approve a model before insurers use it
- Penalties for failing to file a model
- Whether these changes affect the premiums consumers pay
This summary describes the law as enacted. Later laws, court rulings or referendum petitions can change the picture. Check the official text for the current wording.