Imperial Health Insurance Plans
Imperial Health Offers Low-premium Marketplace HMO plans in Arizona, Nevada, Texas, & Utah
Compare Imperial Health insurance plans, including costs, coverage, and service areas, before you enroll.
By Wiley Long III, President – HSA for America
Reviewed by Whitney Kline – Fact checked by Misty Berryman – Updated 10/1/2026
4 states served
12 Texas counties in the service area
NCQA accredited health plan
See Imperial Health Plan Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Why People Look at Imperial Health in the First Place
Marketplace premiums have climbed hard in the Southwest, and the bill lands hardest on people who earn too much to get much help with it.
If you are self-employed, run a small shop, or fall just past the subsidy cliff, you already know the math. You pay full price for a plan with a deductible so high you rarely touch it. The instinct is to shop on premium alone and hope nothing happens.
Imperial Health takes a specific approach to that problem. It is a physician-founded carrier that concentrates on a handful of metro counties instead of spreading thin across whole states. Narrower geography and a tight HMO network are how it keeps the monthly number down.
That trade is real, and it is the whole story of this carrier. You give up network freedom and you gain a lower premium. Whether that is a good deal depends entirely on which doctors you want to keep.
How Imperial Health Compares on Cost
| What you pay | Imperial Health |
|---|---|
| Monthly premium | Not published — varies by age, county, tobacco use, and household size. Run a quote for your real number. |
| Annual deductible | $2,000 (Gold) to $7,500 (Bronze), one person |
| Out of pocket maximum | $8,200 (Gold) to $10,000 (Bronze), one person |
| Primary care visit | $30 (Gold) to $50 (Bronze), paid before the deductible on every tier |
How To Get an Imperial Health Plan
Five steps, and the first one saves you the most time.
Get quoted.
Tell us your state and we run Imperial Health against every other plan available where you live, so you see the whole field at once.
Check the service area.
Imperial Health pays benefits only if you live or work in one of its counties, so this gets confirmed before anything else.
Check the network.
Look up your doctors and hospital first, because an Imperial Health plan pays nothing outside its network except in an emergency.
Pick a primary care physician.
That doctor runs your care and writes the referrals you need to see most specialists.
Enroll.
Open enrollment runs November 1 through January 15. Outside that window you need a qualifying life event such as a move, a marriage, a birth, or losing a job-based plan.
Available Imperial Health Plans
IMPERIAL STANDARD BRONZE
Pay the least each month, the most when you need care.
- $7,500 deductible, $10,000 out of pocket limit
- $50 primary care, $100 specialist, $75 urgent care
- $25 generic drugs, paid before the deductible
- 50% coinsurance on hospital stays and surgery
- $0 pediatric dental and vision
IMPERIAL STANDARD SILVER
The middle ground, and the only level that unlocks extra savings if your income qualifies.
- $6,000 deductible, $8,900 out of pocket limit
- $40 primary care, $80 specialist, $60 urgent care
- $20 generic drugs, paid before the deductible
- 40% coinsurance on hospital stays and surgery
- Available at 73%, 87%, and 94% cost-sharing levels
IMPERIAL STANDARD GOLD
Pay more each month, far less every time you use it.
- $2,000 deductible, $8,200 out of pocket limit
- $30 primary care, $60 specialist, $45 urgent care
- Every drug tier paid before the deductible, generics $15
- 25% coinsurance on hospital stays and surgery
- Best if you expect regular care or take brand-name medication
Imperial Health Comparison
Imperial Health Plans Side by Side
| Feature | Standard Bronze | Standard Silver | Standard Gold |
|---|---|---|---|
| Annual deductible | $7,500 | $6,000 | $2,000 |
| Out of pocket maximum | $10,000 | $8,900 | $8,200 |
| Primary care visit | $50 | $40 | $30 |
| Specialist visit | $100 | $80 | $60 |
| Referral needed for specialists | Not for a first consult | Not for a first consult | Not for a first consult |
| Pediatric dental and vision | $0, included | $0, included | $0, included |
| Pairs with an HSA | No | No | No |
Deductible and out of pocket figures are per person. Family amounts are double. Primary care, specialist, and urgent care visits are paid before the deductible on all three plans.
See What Imperial Health Actually Costs You
An Imperial Health plan is worth comparing if you live in one of its counties and your doctors are in its network.
Tell us your state and we will quote Imperial Health against every other plan available where you live, so you can see the real numbers side by side instead of guessing from a premium alone.
Or call us directly: 800-913-0172
Where Imperial Health Is Strong, and Where It Is Not
What works
- Low premiums, achieved by concentrating on a few metro counties instead of stretching thinly across whole states.
- Real condition management programs on a budget plan, with published rules you can read before you enroll.
- Children’s dental and vision are built in rather than sold separately.
- Emergency and urgent care are paid out of network, and the carrier cites the federal No Surprises Act on balance billing.
- Bilingual member support, with health forms published in five languages.
- Guaranteed renewable each year as long as you pay the premium.
What to think hard about
- Four states, and only certain counties inside them. This plan does not travel with you.
- Nothing is paid outside the network except emergencies. Check every doctor you want to keep before you enroll.
- You need a referral from your primary care physician for most specialist care.
- The Texas Consumer Choice form leaves out some state-mandated Texas health benefits.
- Anesthesiologists, radiologists, pathologists, and assistant surgeons can be out of network even at an in-network hospital.
- Fertility benefits stop at diagnosis and evaluation. IVF, IUI, and donor services are excluded.
- If a dependent moves out of the service area, they get emergency and urgent care only.
- Male sterilization procedures and devices are excluded.
Programs Imperial Includes That Most Budget Plans Skip
Condition management you can actually reach
Imperial staffs four member programs, each with its own published rules on who qualifies and how to join or leave. If you have asthma or diabetes, someone at the plan is paying attention to your care between visits rather than waiting for a claim.
- Asthma Management Program
- Diabetes Management Program
- Case Management Program, for complex or ongoing conditions
- Quit Smoking Support Program
Guided self-management tools
The plan curates tools by topic: healthy weight, quitting tobacco, physical activity, eating, stress, and depression screening. These point to established outside resources such as the CDC and MyPlate rather than a proprietary app, which is worth knowing before you count it as a feature.
A health assessment that comes back with something useful
You fill out a Health Risk Assessment by mail or through the member portal and get personalized wellness resources back. Imperial publishes the form in English, Spanish, Vietnamese, Chinese, and Korean.
Extras built into the plan itself
- Pediatric dental to age 19, including teledentistry treated the same as an office visit, plus medically necessary orthodontics with prior approval
- Pediatric vision to age 19: exam with refraction and glaucoma testing, plus frames and lenses or contacts once a year
- Extra dental visits during pregnancy, including one more exam and one more cleaning or periodontal treatment for the year
- Hearing aids and cochlear implants, with fitting and rehabilitation services
- Telemedicine and telehealth named as standard ways to get care
For Further Reading
See how ACA Marketplace insurance stacks up against health sharing if you want to compare options before deciding.
Check what's available where you live if Imperial's four-state footprint doesn't cover your area.
Imperial Health Frequently Asked Questions
Q: What states does Imperial Health sell insurance plans in?
A: Imperial sells Marketplace plans in Arizona, Nevada, Texas, and Utah. It does not sell statewide in any of them. Each state has a defined service area of specific counties, and you have to live or work in one of those counties to enroll. Check yours before you shop.
Q: What happens if I see a doctor outside the network?
A: The plan pays nothing. Imperial is an HMO, so out-of-network care is your bill unless it is an emergency or urgent care, or the plan approved a referral because no network provider was available. This is the single most important thing to check before enrolling.
Q: Does Imperial Health include dental and vision for children?
A: Yes. Children up to age 19 get dental and vision benefits inside the medical plan, not as a separate purchase. Vision includes an annual exam plus frames and lenses or contacts. Dental includes cleanings, fillings, and medically necessary orthodontics with prior approval.
Q: Do I need a referral to see a specialist?
A: Yes, for most specialist care. Your primary care physician has to write the referral, and without one the plan does not pay the specialist. The exception is a network obstetrician or gynecologist, whom you can see directly. Some services also need approval from the plan in advance.
Q: Can I keep my Imperial Health plan if I move?
A: Only if you move within the service area. If you move out of it, you need a different plan, and a permanent move is itself a qualifying event that lets you switch outside open enrollment. A dependent who moves away is limited to emergency and urgent care only.
Q: When can I enroll in an Imperial Health plan?
A: Open enrollment runs November 1 through January 15. Outside that window you need a qualifying life event, such as losing a job-based plan, moving, marrying, or having a baby. You generally have 60 days from the event to enroll.
What Our Clients Say
We have helped over 16 thousand people find health insurance or a health sharing plan.
“I was paying way too much through my old insurance broker. HSA for America helped me find a health plan that cut my monthly premium nearly in half. It’s been a total game-changer for my budget.”
– Carlos Ramirez, Tempe, AZ
“I was skeptical at first, but after comparing options with HSA for America, I realized I could save over $1,500 a year and still keep the doctors I like. They made the whole process super easy.”
– Susan Lee, Albuquerque, NM
“Wiley Long before him have made continuing with HSA-eligible health insurance a breeze during the very confusing transition to the Affordable Care Act. You’ve saved me time and money, and continue to be a solid, easily available resource to this self-insured businessman. Please, please keep up the great work! Excellent.”
-Jay Macdonald, Clearwater, FL
” Excellent. Leslie was very helpful and pleasant to work with. I got answers to my emails very quickly. Leslie also showed me ways to save a substantial amount of money. Excellent. Very knowledgeable.”
– Rita Shepherd, Red Bluff, CA
“I can’t thank Leslie enough for her guidance. She made a complex process feel simple and stress-free. Her knowledge of HSA-compatible plans helped me save hundreds while still getting great coverage. Outstanding service!”
– Karen Miller, Fort Collins, CO
“Thanks to Mike Montes at HSA for America, I’m saving nearly $200 a month on my premiums. He showed me how to pair the right plan with an HSA to get tax savings too. That’s real money back in my pocket.”
– Allison J., Colorado Springs, CO
“As a small business owner, every dollar counts. Christine helped me lower my costs without sacrificing coverage, and the health plan option she recommended is giving me major tax advantages. Highly recommend!”
– Derek P., Reno, NV
Have More Questions?
You can see your rates and enroll online whenever you are ready. If you would rather have questions answered first, schedule a time with one of our Personal Benefits Managers. They can make sure you are on the lower cost membership that fits your household, and get you enrolled.
It is a short conversation, and you will finish it with your questions answered.
For over 20 years we have helped individuals, families, and small businesses find better healthcare at a lower cost.
Phone: 800-913-0172
Hours: Monday to Friday, 8am to 6pm MT
See Imperial Health Plan Rates for Your State
Choose your state to see your rates and enroll online in minutes, or schedule a free consultation if you would rather be guided through it.
Or call 800-913-0172
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