{"data":{"id":"us-az/a.r.s.-20-1412","jurisdiction":"us-az","citation":"A.R.S. § 20-1412","heading":"Group and blanket disability insurance policies or contracts; varying copayments and deductibles allowed","body":"A. Except as provided in sections 20-1379 and 20-2304, a group disability insurer or a blanket disability insurer may offer one or more disability insurance policies or contracts that contain a choice of deductibles, coinsurance, copayments, out-of-pocket and any other cost sharing levels. Plans offered under this section shall clearly disclose in marketing materials, certificates of coverage and contracts the insured’s financial responsibilities. A group disability insurer or blanket disability insurer that offers such a disability insurance policy or contract shall continue to provide any mandated health coverage that is required by this state or by federal law.\n\nB. This section does not prohibit a health benefits plan that is intended to qualify as a high deductible health plan as defined by 26 United States Code section 223(c)(2) from requiring the application of deductibles, copayments or coinsurance to benefits provided under the health benefits plan.","path":["Title 20 Insurance"],"source_url":"https://www.azleg.gov/ars/20/01412.htm","current_through":"2026-09-04","vintage":"2026-08-09","retrieved_at":"2026-09-04T00:49:56Z","sha256":"3596a5700917904c466e45a15399217ff086d0bcef782d9eabfbe33c8a988656","source_id":"us-az","stale":true,"prev":"us-az/a.r.s.-20-1411","next":"us-az/a.r.s.-20-142"},"notice":"GroundRules: Original legal text. Not legal advice."}