IMPERIAL COS GRP Market Analysis: Market Share and Coverage by State

Payer Overview

IMPERIAL COS GRP occupies a modest position in the US accident & health market as the #259 ranked US A&H payer by premium, writing $2.47M in the United States. The company reports a US market share of 0.00% and operates in 3 states, serving an estimated 547 members across its footprint while operating through 2 affiliated subsidiaries.

The payer does not hold a #1 position in any state. Its US business is concentrated in a small set of states rather than spread nationally, which suggests local underwriting and network strategies drive its operations rather than national scale initiatives.

Premium by Scope

IMPERIAL COS GRP's premium is entirely within the US States & DC scope, with $2.47M concentrated on the US mainland. There is no reported premium in US territories or foreign markets for this payer, indicating an exclusively domestic footprint. For providers, this concentration means contracting and payment negotiation should prioritize the payer's active states rather than any territorial or international operations.

Payer Overview

IMPERIAL COS GRP's premium is concentrated in the Mountain West and Southwest, with $2.00M written in AZ representing the bulk of its $2.47M US premium. The company's estimated membership of 547 is small and geographically concentrated, which typically translates into localized negotiating leverage with providers in market areas where membership is meaningful and limited leverage elsewhere. For provider contracting, this means focused negotiations in Arizona and selective arrangements in Utah and Nevada are likely to capture most of the payer's commercial opportunity. Network development and reimbursement conversations should prioritize AZ markets where the payer's presence is most material.

State-by-State Market Position

IMPERIAL COS GRP shows its strongest presence in the West and Southwest regions, led by Arizona where it writes the majority of its premium. Utah and Nevada are secondary markets with much smaller premium and membership footprints. There is no meaningful presence in the Northeast, Midwest, or Southeast, so multi-state provider groups should view this payer as a regional counterparty primarily relevant for Western market strategies.

Given the concentrated distribution, multi-state providers negotiating with IMPERIAL COS GRP will find the most commercial opportunity by focusing resources on Arizona, where network inclusion and reimbursement terms will have the greatest impact. Smaller memberships in Utah and Nevada may warrant targeted contracts or pilot arrangements rather than broad, system-wide rate negotiations.

The Affordable Care Act (ACA) established federally-facilitated health insurance marketplaces ("exchanges") where individuals and small businesses can shop for and enroll in health plans, often with income-based subsidies. Issuers that participate in these marketplaces are required to report enrollment, claims, and denial data to CMS (Centers for Medicare & Medicaid Services) each year.

The sections below cover this payer's ACA marketplace-specific footprint — enrollment, plan portfolio, and claims/denial-rate data. This is a narrower, separate population from the NAIC-based commercial data shown earlier on this page (total premium, market share, and membership across all lines of business): ACA marketplace enrollment is typically a small fraction of a payer's total commercial book, and the two datasets should not be treated as equivalent. CMS claims-transparency reporting has also been inconsistent industry-wide since 2020 — many issuers have little or no data for 2021 onward, so a single reporting year is common and does not necessarily indicate anything about the payer's current ACA presence.

Estimated Member Demographics

Nationally, the largest age bands among IMPERIAL COS GRP's estimated 547 members are 6–18 (91 members), 35–44 (77), and 26–34 (70). The under-18 population (34 + 91 = 125) makes up a significant portion, indicating a strong presence in pediatric and adolescent coverage. The adult working-age bands (19–64) are also well represented, while the senior population (65+) is relatively small (43 + 35 = 78).

Arizona, the state with the largest membership, mirrors the national pattern, with a strong showing in the 6–18 and 35–44 age bands. Utah and Nevada have much smaller member counts, but their age distributions are similar, with a slight tilt toward younger members in Utah. No state shows a pronounced skew toward older or senior populations, reinforcing the payer's focus on younger and working-age demographics.

Estimated Members by State

IMPERIAL COS GRP's estimated membership is highly concentrated in Arizona, which accounts for 445 of the total 547 members nationally. Utah follows with 76 members, and Nevada has . This distribution closely aligns with the premium volume and market share data, where Arizona also leads by a significant margin.