Arkansas Marketplace Plans 2027: How to Choose | Thrive

Arkansas · Open enrollment Nov 1 – Jan 15

Arkansas Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 8, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Arkansas had 4 Marketplace insurers and 52 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Arkansas insurers filed increases of about 3% to 16% before tax credits. Compare again even if you like your plan.

Find my Arkansas planFree. See your price after tax credits.

What's changing in the Arkansas Marketplace for 2027?

  1. Ambetter sells through three companies. Only QCA Health Plan filed 2027 rates. Celtic and QualChoice Life, which carry its PPO plans, didn't file.

  2. Filed changes run from 3.1% at Octave to 15.9% at Ambetter's QCA plans, before tax credits. In 2026, approved increases averaged 22.2%.

  3. Since September 1, 2026, CHI St. Vincent's four hospitals and 80 clinics are out of network for Arkansas Blue Cross, Health Advantage and Octave.

  4. Many ARHOME adults ages 19 to 64 must log 80 hours a month of work, school, training or volunteering, or earn $580. Some groups are exempt.

Little Rock, Arkansas skyline and Junction Bridge reflected in the Arkansas River

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

  1. Lowest monthly price, from $447 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 1 Bronze plans work with a health savings account (HSA).

  2. Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $753 at age 40; typical deductible $6,250 before those savings.

  3. Higher monthly price, from $647 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Arkansas 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 1 catastrophic plans for people under 30.
MetalPlansFrom, age 40Typical deductibleDeductible range
BronzePlans14From, age 40$447Typical deductible$7,500Deductible range$0–$9,975
SilverPlans17From, age 40$753Typical deductible$6,250Deductible range$6,000–$7,350
GoldPlans18From, age 40$647Typical deductible$2,000Deductible range$0–$5,900
PlatinumPlans2From, age 40$833Typical deductible$738Deductible range$0–$1,475

Which insurers sell Marketplace plans in Arkansas?

4 insurers sold Arkansas Marketplace plans in 2026, and 4 are expected for 2027. Not every insurer sells in every county, so your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. All four insurer brands return for 2027. Figures are average changes filed in July 2026. The Arkansas Insurance Department approves final rates, and none were announced by October 8, 2026.
InsurerCounties (2026)Plans (2026)Plan typesFrom (age 40)CMS rating (2026)2027 change
AmbetterCounties (2026)75 of 75Plans (2026)31Plan typesPOS, PPOFrom (age 40)$500CMS rating (2026)3 of 52027 change+15.9% proposed
Health AdvantageCounties (2026)75 of 75Plans (2026)8Plan typesPOSFrom (age 40)$463CMS rating (2026)2 of 52027 change+10.5% proposed
Arkansas Blue CrossCounties (2026)75 of 75Plans (2026)7Plan typesPPOFrom (age 40)$452CMS rating (2026)3 of 52027 change+7.05% proposed
OctaveCounties (2026)75 of 75Plans (2026)6Plan typesPOSFrom (age 40)$447CMS rating (2026)Not yet rated2027 change+3.1% proposed

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Arkansas plan

What do people ask about Arkansas Marketplace plans?

  1. Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

  2. Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

  3. 0 of Arkansas's 52 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

  4. Compare before you let it renew. Arkansas insurers filed 2027 increases of about 3% to 16% before tax credits, and your plan or its network may change. Your new tax credit can change too.

  5. Arkansas expanded Medicaid through ARHOME, which buys private Marketplace plans for adults 19 to 64 with income up to 138% of the poverty level. From January 1, 2027, many must meet an 80-hour monthly work rule. Apply at access.arkansas.gov or call 855-372-1084.

  6. On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

  7. Arkansas Blue Cross and Blue Shield sells PPO plans. Health Advantage and Octave are sister companies selling POS plans. Each sets its own prices and has its own CMS rating, so compare all three.

  8. No. Centene is leaving ARHOME, the Medicaid expansion program, in 2027. Ambetter's Marketplace plans continue through QCA Health Plan, which filed 2027 rates. Its Celtic and QualChoice Life PPO plans didn't file, so those members should compare plans.

  9. The Arkansas Insurance Department sets one extra charge on silver plans to cover unfunded cost-sharing help. In 2026, each insurer's standard gold plan cost less than its standard silver plan.

Where these numbers come from

  • 2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
  • Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.