Most Affordable Health Insurance in Arkansas


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Key Takeaways

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Blue Cross Blue Shield offers the most affordable health insurance in Arkansas, with an average monthly savings of $251 compared to the state average.

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Ambetter provides the best full coverage (gold) plans with rates starting as low as $528 per month.

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To find the cheapest health insurance for you, decide on a coverage level within your budget, check subsidy eligibility and compare plans from several companies.

Most Affordable Health Insurance Companies in Arkansas

Blue Cross Blue Shield provides the cheapest overall health insurance in Arkansas, with an average monthly premium of $295. However, availability may vary, so we also recommend Octave, Health Advantage, Ambetter and Health First for affordable health plans.

Blue Cross Blue Shield$295$251
Health Advantage$359$187
Octave$500$46

*These plans reflect rates for 40-year-olds who are not considered low-income.

Cheapest Arkansas Health Insurance Plans by Profile

While we've summarized the cheapest companies for most in Arkansas, the most affordable plan for you will differ widely depending on your desired coverage tier and age. We've broken down the cheapest companies by category for most in the state:

  • Cheapest For Young Adults: Ambetter ($362 monthly)
  • Cheapest For Seniors: Ambetter ($959 monthly)
  • Cheapest Expanded Bronze Plan: Octave ($389 monthly)
  • Cheapest Silver Plan: Ambetter ($452 monthly)
  • Cheapest Gold Plan: Ambetter ($528 monthly)

While these are a good measure of the most affordable plans, this only represents the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, we've created a filterable table that you can modify for plan tier and age to find your lowest rate match.

Data filtered by:Results filtered by:
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Plan Level:Silver
Select
Age:40
AmbetterStandard Silver (QualChoice)$452$42$8,000

Cheapest Health Insurance Plans by County in Arkansas

While Ambetter ranks as the cheapest provider overall, it dominates in both affordability and availability for silver plans in most counties. Below, you can review which company and plan are most affordable in your area.

ArkansasAmbetter$427Standard Silver
AshleyAmbetter$427Standard Silver
BaxterAmbetter$427Standard Silver
BentonAmbetter$427Standard Silver
BooneAmbetter$427Standard Silver
BradleyAmbetter$427Standard Silver
CalhounAmbetter$427Standard Silver
CarrollAmbetter$427Standard Silver
ChicotAmbetter$427Standard Silver
ClarkAmbetter$427Standard Silver
ClayAmbetter$427Standard Silver
CleburneAmbetter$427Standard Silver
ClevelandAmbetter$427Standard Silver
ColumbiaAmbetter$427Standard Silver
ConwayAmbetter$427Standard Silver
CraigheadAmbetter$427Standard Silver
CrawfordAmbetter$427Standard Silver
CrittendenAmbetter$427Standard Silver
CrossAmbetter$427Standard Silver
DallasAmbetter$427Standard Silver
DeshaAmbetter$427Standard Silver
DrewAmbetter$427Standard Silver
FaulknerAmbetter$427Standard Silver
FranklinAmbetter$427Standard Silver
FultonAmbetter$427Standard Silver
GarlandAmbetter$427Standard Silver
GrantAmbetter$427Standard Silver
GreeneAmbetter$427Standard Silver
HempsteadAmbetter$427Standard Silver
Hot SpringAmbetter$427Standard Silver
HowardAmbetter$427Standard Silver
IndependenceAmbetter$427Standard Silver
IzardAmbetter$427Standard Silver
JacksonAmbetter$427Standard Silver
JeffersonAmbetter$427Standard Silver
JohnsonAmbetter$427Standard Silver
LafayetteAmbetter$427Standard Silver
LawrenceAmbetter$427Standard Silver
LeeAmbetter$427Standard Silver
LincolnAmbetter$427Standard Silver
Little RiverAmbetter$427Standard Silver
LoganAmbetter$427Standard Silver
LonokeAmbetter$427Standard Silver
MadisonAmbetter$427Standard Silver
MarionAmbetter$427Standard Silver
MillerAmbetter$427Standard Silver
MississippiAmbetter$427Standard Silver
MonroeAmbetter$427Standard Silver
MontgomeryAmbetter$427Standard Silver
NevadaAmbetter$427Standard Silver
NewtonAmbetter$427Standard Silver
OuachitaAmbetter$427Standard Silver
PerryAmbetter$427Standard Silver
PhillipsAmbetter$427Standard Silver
PikeAmbetter$427Standard Silver
PoinsettAmbetter$427Standard Silver
PolkAmbetter$427Standard Silver
PopeAmbetter$427Standard Silver
PrairieAmbetter$427Standard Silver
PulaskiAmbetter$427Standard Silver
RandolphAmbetter$427Standard Silver
SalineAmbetter$427Standard Silver
ScottAmbetter$427Standard Silver
SearcyAmbetter$427Standard Silver
SebastianAmbetter$427Standard Silver
SevierAmbetter$427Standard Silver
SharpAmbetter$427Standard Silver
St. FrancisAmbetter$427Standard Silver
StoneAmbetter$427Standard Silver
UnionAmbetter$427Standard Silver
Van BurenAmbetter$427Standard Silver
WashingtonAmbetter$427Standard Silver
WhiteAmbetter$427Standard Silver
WoodruffAmbetter$427Standard Silver
YellAmbetter$427Standard Silver

How to Find the Cheapest Health Insurance in Arkansas

Follow these steps to find affordable health insurance in Arkansas:

  1. 1

    Determine what coverage plan you need and can afford

    Depending on your personal health circumstances and income, your type of coverage plan and tier needed will differ widely. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health, and determine your risk for injury or disease based on your location, age, and habits.

  2. 2

    Find out your subsidy eligibility

    Individuals earning between $14,580 and $54,000 qualify for premium tax credits, resulting in 40% to 100% cost reductions. For those earning below 250% of the Federal Poverty Level ($36,450), cost-sharing reductions can lower out-of-pocket expenses by up to 73%. Check your eligibility to benefit from these savings.

  3. 3

    Consider federal programs if old enough

    If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.

  4. 4

    Review prescription formularies

    Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.

  5. 5

    Compare plans during Open Enrollment

    Open Enrollment runs from November 1 through January 15, but you may also be eligible for Special Enrollment if you've experienced job loss, divorce or childbirth. Evaluate types of coverage, customer ratings, costs and network availability to make an informed decision.

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Most Affordable Health Insurance in Arkansas: Bottom Line

Arkansas's most affordable health insurance companies are Blue Cross Blue Shield, Octave, and Health Advantage. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Cheap Arkansas Health Insurance: FAQ

Below are frequently asked questions about cheap health insurance in Arkansas:

What is the cheapest health insurance in Arkansas?

What are the downsides of a cheap health insurance plan?

Do I qualify for subsidies on health insurance in Arkansas?

When can I enroll in health insurance in Arkansas?

How We Decided the Cheapest Health Insurance Companies in Arkansas

MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Arkansas based on consumers aged 18, 26, 40, 50 and 60. We considered the cheapest overall to be those that have the lowest monthly premium costs for 40-year-olds due to most in the state being near this age demographically and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.

About Mark Fitzpatrick


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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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