Health Insurance Plans in Arkansas
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Arkansas residents. Get a free quote from a licensed advisor today.
Find Arkansas Health Plans
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Arkansas Health Insurance at a Glance
Here's what you need to know about health coverage options in Arkansas.
Arkansas uses a unique "private option" Medicaid expansion model, using Medicaid funds to purchase private marketplace plans for eligible residents.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Get My Personalized Quote →ACA Marketplace Plans in Arkansas
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Arkansas Marketplace Works
Arkansas residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Arkansas
These insurance companies offer ACA marketplace plans in Arkansas:
- Ambetter
- USAble (Arkansas Blue Cross)
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Arkansas
Arkansas has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Arkansas
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Arkansas
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Arkansas?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Arkansas
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Arkansas Health Insurance Questions
Arkansas Insurance Resources
Arkansas Insurance Department
File complaints, verify licenses, and learn about your rights as a consumer.
Arkansas Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Arkansas
Find health insurance information specific to your city in Arkansas.
Little Rock
Pulaski County · Pop. 202,591
Fort Smith
Sebastian County · Pop. 89,142
Fayetteville
Washington County · Pop. 93,949
Springdale
Washington County · Pop. 82,975
Jonesboro
Craighead County · Pop. 81,948
Conway
Faulkner County · Pop. 67,263
Rogers
Benton County · Pop. 72,619
North Little Rock
Pulaski County · Pop. 62,304
Pine Bluff
Jefferson County · Pop. 41,724
Bentonville
Benton County · Pop. 51,408
Hot Springs
Garland County · Pop. 35,193
Benton
Saline County · Pop. 35,000
Sherwood
Pulaski County · Pop. 34,514
Texarkana
Miller County · Pop. 30,781
Jacksonville
Pulaski County · Pop. 28,364
Cabot
Lonoke County · Pop. 28,089
Searcy
White County · Pop. 23,744
Van Buren
Crawford County · Pop. 24,658
Paragould
Greene County · Pop. 26,113
Russellville
Pope County · Pop. 29,649
Health Insurance by County in Arkansas
Find health insurance information for your county in Arkansas.
Pulaski County
County Seat: Little Rock · Pop. 413,754
Sebastian County
County Seat: Fort Smith · Pop. 127,000
Washington County
County Seat: Fayetteville · Pop. 245,000
Craighead County
County Seat: Jonesboro · Pop. 115,000
Faulkner County
County Seat: Conway · Pop. 130,000
Benton County
County Seat: Bentonville · Pop. 280,000
Jefferson County
County Seat: Pine Bluff · Pop. 73,000
Garland County
County Seat: Hot Springs · Pop. 96,000
Saline County
County Seat: Benton · Pop. 110,000
Miller County
County Seat: Texarkana · Pop. 42,000
Lonoke County
County Seat: Lonoke · Pop. 68,000
White County
County Seat: Searcy · Pop. 77,000
Crawford County
County Seat: Van Buren · Pop. 67,000
Greene County
County Seat: Paragould · Pop. 42,000
Pope County
County Seat: Russellville · Pop. 62,000