Explore Arkansas health insurance plans, including individual, family, and small business options. Find affordable coverage today that meets your needs with AHiX Marketplace.
Each state’s Department of Insurance sets its own health insurance rules, impacting prices and coverage. Arkansas health coverage offers affordable options for individuals and families, covering doctor visits, hospital stays, and emergency care. Choose from individual or family health plans to match your needs and budget. Explore health insurance plans today and secure reliable health coverage for your future.
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Choosing the best health insurance in Arkansas starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a Arkansas health plan that matches your typical healthcare usage.
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Some Arkansas health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
Arkansas individual health insurance is available for individuals and families without employer-sponsored coverage. You can purchase a health coverage plan through private exchanges like the AHiX Marketplace, directly from insurance providers, or via HealthCare.gov and public programs like Medicare or Medicaid. Thanks to Arkansas’s Medicaid Expansion, those under 65 earning up to 138% of the federal poverty level may qualify for Medicaid, providing affordable health care coverage.
For ACA qualified plans, individuals can expect these average costs of premiums in Arkansas (Age 40, Zip code 71602):
Single adult
Married Couple
If you’re looking for lower premiums or more flexibility, consider non-ACA-compliant health plans, which offer basic health coverage with some limitations but can still provide significant protection for you and your family. Both qualified and non-qualified health plans are available to meet your needs.
Family health insurance in Arkansas is available for families with a spouse and dependent children. You can purchase both qualified health plans and non-qualified health plans through the AHiX Marketplace or get coverage from your employer. If your family’s income is lower, you may qualify for Medicaid, which provides affordable health coverage. For families with incomes under 138% of the federal poverty level (around $42,338 for a family of five in 2020), Medicaid offers an option for cost-effective healthcare insurance.
Here are the average costs of qualified premiums for Arkansas families (Age 40) with children under 26 years old.
A married couple with one child
A married couple with two children
A married couple with three children
For those seeking lower premiums, non-qualified health plans are a more affordable choice, offering flexibility but without meeting all ACA requirements.
Arkansas short-term health insurance provides an affordable temporary coverage option, often costing less than half of a qualified health plan. These non-qualified health plans are ideal for individuals needing coverage between jobs, waiting for employer-sponsored plans, or seeking immediate protection. In Arkansas, short-term health insurance can be purchased for up to four months, including renewals, with coverage capped at 120 days.
AHiX Marketplace offers a simple online enrollment process, working with multiple short-term medical carriers in Arkansas. We help individuals and families find flexible and affordable solutions for their temporary health insurance needs. Whether you need quick coverage or a cost-effective alternative, our platform ensures you get the right plan that fits your healthcare and budget requirements.
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
When enrolling in a health insurance plan in Arkansas, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Consider the following statistics about health care coverage in Arkansas.
Total Arkansas Population
Uninsured Arkansas Residents
Arkansas HMO Enrollment
Annual Employee Premium in Arkansas
Hospital Costs in Arkansas before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansIn Arkansas, residents can access various health insurance plans, including:
At AHiX, we help you find affordable Arkansas health insurance for individuals, families, or small businesses. Explore top plans that fit your budget and healthcare needs today!
