Health Insurance Plans in Arkansas
Browse ACA Marketplace plans available to Arkansas residents on the federal exchange. 51 plans available for 2026. Starting from $397/month.
Lowest Monthly Premium
$397/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$456/mo
14 plans available
Avg Silver (Benchmark)
$731/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Little Rock, AR
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$456/mo avg
from $397 – $538
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$731/mo avg
from $669 – $781
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$635/mo avg
from $574 – $715
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$775/mo avg
from $740 – $811
Lowest-Premium Plans Available
Sample plans near Little Rock — enter your ZIP for exact results
Octave Bronze Exp Standardized
Octave
$397/mo
Ded: $7,500
Bronze Exp Standardized
Arkansas Blue Cross and Blue Shield
$401/mo
Ded: $7,500
HA Bronze Exp Standardized
Health Advantage
$411/mo
Ded: $7,500
HA Bronze National
Health Advantage
$423/mo
Ded: $9,975
Standard Expanded Bronze (QualChoice)
Ambetter from Arkansas Health & Wellness
$444/mo
Ded: $7,500
Octave Bronze Value
Octave
$453/mo
Ded: $6,900
Everyday Bronze
Ambetter from Arkansas Health & Wellness
$456/mo
Ded: $8,450
Standard Expanded Bronze
Ambetter from Arkansas Health & Wellness
$457/mo
Ded: $7,500
Bronze Value
Arkansas Blue Cross and Blue Shield
$461/mo
Ded: $6,900
Everyday Bronze + Vision + Adult Dental
Ambetter from Arkansas Health & Wellness
$471/mo
Ded: $8,450
Prices shown are for a 30-year-old near Little Rock without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Arkansas?
Approximately 51 ACA Marketplace plans are available in Arkansas for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Arkansas?
For a 30-year-old without subsidies, the cheapest plan near Little Rock starts at about $397/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Arkansas use HealthCare.gov?
Yes — Arkansas is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Arkansas averages $731/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Arkansas
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Arkansas guides
Best plans in Arkansas Cheapest plans in Arkansas HSA-eligible plans in Arkansas