Payer Overview
IMPERIAL COS GRP Market Analysis: Market Share and Coverage by State
IMPERIAL COS GRP is a small regional health insurer with concentrated presence in a handful of Western states. Its footprint is focused and likely managed via local networks and subsidiary structure.
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.
2 rows
| Subsidiary | Domicile |
|---|---|
| Imperial Health Plan of the Sw Inc | UT |
| Imperial Insurance Cos Inc | TX |
National Market Presence
Payer Overview
| State | Market Share | Premium Written | Estimated Members |
|---|---|---|---|
| AZ | 0.01% | $2.00M | 445 |
| NV | <0.01% | $163K | 27 |
| UT | <0.01% | $309K | 76 |
| National Total | — | $2.47M | 547 |
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.
Estimated Member Demographics
| Age Band | Arizona | Utah | Nevada | National Total |
|---|---|---|---|---|
| Under 6 | 26 | 6 | 2 | 34 |
| 6–18 | 70 | 16 | 4 | 91 |
| 19–25 | 43 | 9 | 2 | 54 |
| 26–34 | 56 | 10 | 4 | 70 |
| 35–44 | 62 | 11 | 4 | 77 |
| 45–54 | 59 | 9 | 4 | 72 |
| 55–64 | 61 | 7 | 4 | 72 |
| 65–74 | 37 | 4 | 2 | 43 |
| 75+ | 31 | 3 | 1 | 35 |
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 27. This distribution closely aligns with the premium volume and market share data, where Arizona also leads by a significant margin.
Despite not holding a top-three market share rank in any state, IMPERIAL COS GRP's operational focus is clearly in the West, with Arizona as its primary market. The relatively small member counts in Utah and Nevada suggest limited influence in those states. For providers, this means that contracting opportunities and patient volume from this payer will be most significant in Arizona, with only niche or supplemental impact in Utah and Nevada.