AZ HB2065

Amends section 20-2110 of Arizona Revised Statutes regarding insurance underwriting decisions and disclosure requirements.

Prohibits insurers from using insurance scores calculated with income, gender, address, zip code, ethnic group, religion, marital status, age, or nationality as factors, though zip code, address, gender, marital status, and age may still be used for underwriting purposes.

Maintains existing prohibitions on using credit history related to medical collection accounts, bankruptcies or liens older than seven years, specific types of credit cards, and total available lines of credit in insurance score calculations.

Requires insurers to provide applicants with specific reasons for adverse underwriting decisions in writing, along with supporting personal information and sources, within 21 business days of a written request.