Health Insurance in Arkansas

Health Insurance in Arkansas

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in Arkansas. 

Quick Facts about Arkansas Health Insurance

  • Arkansas operates on a state-based exchange using the federal enrollment platform. 
  • -Open Enrollment for On-Exchange plans will be from November 1, 2022 – January 15, 2023. 
  • -Off-Exchange plans can be purchased at any time. 
  • -Apollo Insurance Group can help broker plans from 12 different carriers. 

How Health Insurance in Arkansas Works

Affordable Care Act (ACA) / Obamacare health insurance in Arkansas uses a state-run Arkansas Health Insurance Marketplace called My Arkansas Insurance. However, Arkansans still use to purchase insurance. On-exchange plans are eligible for subsidies and cannot deny coverage due to preexisting conditions. 

Off-Exchange plans include any plans that are not sold in the ACA marketplace. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to these reasons, they tend to have lower premiums than Obamacare plans. With some exceptions, they can be purchased at any time of the year. 

When to Sign Up for Arkansas Health Insurance

Timing to sign up for health insurance in Arkansas depends on the type of insurance that a person is signing up for. If they are signing up for an ACA plan, then they must sign up during the Open Enrollment period. Open Enrollment is the time of the year that people can freely change their health insurance plans without any qualifiers. For 2023, OE will run from November 1, 2022 – January 15, 2023. 

Outside of Open Enrollment, a person cannot change their ACA insurance plan without a Qualifying Life Event. Qualifying Life Events are a set of life changing circumstances that are considered drastic enough to allow a change in insurance. Click here for a complete list of Qualifying Life Events. 

Off-Exchange plans can be purchased at any time. There are, of course, some exceptions. However, more Off-Exchange plans have year-round enrollment. 

How to Sign Up for Health Insurance in Arkansas

To start enrolling in a health insurance plan for Arkansas, simply fill out our quote form. We will help you start the process and find the right plan for you. We have extensive experience helping Arkansans find health insurance, so call us today! 

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the best plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

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Group Health Insurance
Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

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Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

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Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

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Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

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Apollo Insurance Broker

Talk With A Helpful Agent!

We'll Handle All Your Insurance Needs With No Extra Cost.

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Contact Us To Get Affordable Health Coverage For Your Needs At No Extra Cost!

Call (913)-279-0077

Health Insurance in Arkansas – What You Need to Know


Health Insurance in Arkansas



If you live in Arkansas and want health insurance, you have many options. There are Bronze, Silver, and Gold tiers of plans. These plans will provide medical coverage for you and your family, and they will allow you to make pre-tax contributions to the account, which will turn into savings. Arkansas also offers government health coverage programs, which can help you get coverage if you need it.

Affordable health insurance in Arkansas

Most people in Arkansas purchase an HMO, EPO, PPO, or POS plan. Each of these plans has a different level of coverage. Bronze plans cover 60 percent of costs and platinum plans cover 90 percent. Bronze plans are affordable, but not suitable for everyone, and they only cover emergency medical expenses.

Many residents of Arkansas qualify for free health insurance through state Medicaid programs. There are also free state plans for uninsured children. Prices and coverage depend on the type of plan you choose, your employment status, and how many people you have to cover. It is a good idea to educate yourself on the main types of coverage and understand their different benefits.

In Arkansas, the average cost of a Silver health insurance plan for a family of three is $921 per month. For each additional child, the average cost of coverage goes up by $251. This means a family of five would pay $502 per month more. By contrast, an adult couple without children would pay $838 per month for their policy.

The best health insurance plans for Arkansas residents depend on their income level. Those who earn less than $16,612 per year can apply for Medicaid. These plans are often much less expensive than private marketplace plans. They also may have fewer restrictions. However, you should note that the government health insurance program requires that applicants meet income requirements. In Arkansas, an individual must earn less than $22,491 a year for a household of two.

It is very important to choose a health insurance plan that best suits your needs. Do not be afraid to shop around and compare prices. Then, choose a plan that suits your budget. Remember to compare health insurance quotes from different companies to find the best policy. You should also check the types of coverage available for your particular health concerns.

Cost of health insurance in Arkansas

The average cost of health insurance in Arkansas is $921 a month for a family of three, and that rate rises by $251 for each additional child. The average monthly premium for a family of five is $1,060, and the cost would double for a family of six. The cost of health insurance in Arkansas also varies by age group, county, and level of coverage.

The Affordable Care Act, or Obamacare, may help lower the cost of health insurance in Arkansas. This law limits the amount of money insurance companies can charge you for coverage based on your gender and pre-existing conditions. The law also prohibits insurance companies from charging different prices for men and women.

Health insurance in Arkansas is more affordable if you’re young or in good health. There are low monthly premiums for low-cost plans with large out-of-pocket maximums. For instance, the Ambetter Balanced Care 12 plan in Arkansas costs about $387 a month – and it is the least expensive Silver plan in every county.

Depending on your needs and budget, you can choose from bronze, silver, and gold plans. You can even choose a health insurance plan for just one month. Some Arkansas insurance companies offer health savings accounts (HSAs) that provide low monthly premiums and pre-tax contributions. The savings are then used to cover medical emergencies.

Another important aspect of health insurance is coverage levels. The cost of a plan depends on the type of coverage you have and the plan deductible. Individual insurance plans tend to have higher deductibles than group plans. A higher deductible means that you pay more upfront and will have to pay more when you file a claim. However, deductibles can help you reduce the cost of healthcare. In addition, premiums will be lower.

Types of health insurance plans available in Arkansas

There are several types of health insurance plans available in Arkansas. Individuals can choose between Bronze, Silver, and Gold tiers. Bronze plans offer lower monthly premiums and can be used to cover unexpected medical costs. Silver and Gold plans include pre-tax contributions for your health savings account. You can also purchase a health insurance plan for your child, if needed. If you’re not sure what type of insurance plan to buy in Arkansas, here are some tips for choosing a plan.

Most people purchase HMOs, PPOs, and POS plans, but there are many other options available. These plans are available year-round and differ in terms of their level of coverage. Bronze plans cover 60% of your medical expenses, while platinum plans cover up to 90%. There are also catastrophic plans that only cover emergencies.

While private health insurance plans are the most popular option for Arkansas residents, there are also government healthcare programs that may provide lower premiums. These programs often offer subsidies for low-income families. They also provide health insurance to self-employed individuals and small businesses. Most private health insurance plans in the Health Insurance Marketplace use a metal-tier system to determine how much of medical expenses they will cover. In Arkansas, the metal tiers have been fairly stable over the past three open enrollment periods.

Gold and platinum health insurance plans in Arkansas have higher premiums and lower deductibles. However, they also offer lower coverage than bronze plans, making them more affordable for those who have higher medical expenses. In general, a gold plan is the most affordable option for those who have high medical expenses, but who don’t want to pay high out-of-pocket costs.

Individuals can also choose between short-term health insurance plans. These plans typically don’t cover essential health benefits. While short-term health insurance plans are often more affordable for healthy individuals, they may be unsuitable for individuals with pre-existing conditions. And some of them may be non-compliant with the Affordable Care Act.

PCIP covers pre-existing conditions, hospital visits, and prescription drugs. Premiums on individual plans are similar to those for individuals with no pre-existing conditions. The out-of-pocket maximum is $2,000 for in-network services. Pre-existing condition plans in Arkansas allow residents to use prescription drug coverage, emergency care, and behavioral health services.

Government programs that provide health coverage in Arkansas

In May, the Arkansas legislature passed and Governor Hutchinson signed two bills that make changes to government programs that provide health coverage in the state. These bills will allow the state to waive work requirements for some Medicaid enrollees and increase the poverty-level cap for Medicaid expansion coverage. The state legislature is also exploring how to improve employer-sponsored insurance and small employer coverage in Arkansas.

In 2013, the Republican-controlled General Assembly approved an expansion of Medicaid. The program was first authorized by Democratic Gov. Mike Beebe, but the Republican-controlled legislature made it permanent. The current version was enacted through the Arkansas Works Act of 2016. Medicaid expansion programs are authorized by state legislatures under the federal Patient Protection and Affordable Care Act, commonly known as Obamacare. In addition, Arkansas has been granted waivers to expand Medicaid.

The ACA and Medicaid expansion have helped lower the number of uninsured people in Arkansas. These programs give residents access to a variety of health insurance plans. Remember to enroll before January 15 to ensure that you have a plan that covers your needs. Even if you have a preexisting condition, there’s an ACA plan for you.

Medicaid is a government program that helps low-income families pay for medical bills. This program is administered by the Department of Human Services and covers nearly one-fifth of the state’s residents. While Medicaid covers a variety of services, it cannot cover all medical costs. However, it can cover some of your expenses, including the cost of medicine and dental care. In addition, the program covers long-term services in nursing homes.

The Arkansas government’s Medicaid expansion plan allows uninsured individuals to pay premiums up to two percent of their income until 2022. This coverage is only available for individuals who meet certain income requirements. If you are unemployed, consider enrolling in Arkansas Works if your income falls above this limit. By enrolling in this program, you’ll be able to find coverage through employers, as well as Medicaid supplemental funding.

The Arkansas Department of Human Services has proposed a new Medicaid plan called Transforming Arkansas Medicaid. The initiative involves the state’s Medicaid program and two large private insurers in the state. The program is voluntary and will allow physicians to participate if they choose to. It also requires insurers to share clinical data with medical homes.

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