ACA plans available
52
Plan year
2026 data Public-data reference. official source
Izard, Arkansas Health Insurance
Open-data reference.
52 ACA plans from 6 issuers — Plan year 2026
Izard, Arkansas offers 52 ACA marketplace plans from 6 issuers for plan year 2026. Silver plans start at $617/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$675
Avg Silver Premium/mo
$635
Benchmark Premium/mo
+54.7%
Year-over-Year Change
$5,607
Avg Deductible
What the Numbers Say About Izard
Izard, Arkansas has 52 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $675/mo for a 27-year-old non-tobacco user, with the lowest Silver at $617 and the highest at $721.
The benchmark (second-lowest Silver) premium is $635/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,607 and the average out-of-pocket maximum is $8,350 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Izard shifted by +54.7%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Izard, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
17 plans$675/mo avg
$617 — $721
Gold
18 plans$586/mo avg
$530 — $660
Platinum
2 plans$716/mo avg
$683 — $749
Catastrophic plan available: avg $292/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Izard is $635/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
6
Competitive market
Benchmark Silver
$635 /mo
Sets your subsidy ceiling
Avg deductible
$5,607
Across all metal tiers
Izard ACA plans by premium and deductible
Each marker is the Izard average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Izard, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Izard
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Arkansas Health & Wellness | 14 | $561/mo |
| Ambetter from Arkansas Health & Wellness | 10 | $595/mo |
| Health Advantage | 8 | $582/mo |
| Ambetter from Arkansas Health & Wellness | 7 | $648/mo |
| Arkansas Blue Cross and Blue Shield | 7 | $502/mo |
| Octave | 6 | $524/mo |
All Plans in Izard
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Catastrophic HSA Arkansas Blue Cross and Blue Shield | Catastrophic | PPO | $291.76 | $355.80 | $10,600 | $10,600 |
| Octave Bronze Exp Standardized Octave | Expanded Bronze | POS | $366.93 | $447.45 | $7,500 | $10,000 |
| Bronze Exp Standardized Arkansas Blue Cross and Blue Shield | Expanded Bronze | PPO | $370.27 | $451.53 | $7,500 | $10,000 |
| HA Bronze Exp Standardized Health Advantage | Expanded Bronze | POS | $379.86 | $463.22 | $7,500 | $10,000 |
| HA Bronze National Health Advantage | Expanded Bronze | POS | $390.43 | $476.12 | $9,975 | $9,975 |
| Standard Expanded Bronze (QualChoice) Ambetter from Arkansas Health & Wellness | Expanded Bronze | POS | $410.35 | $500.41 | $7,500 | $10,000 |
| Octave Bronze Value Octave | Expanded Bronze | POS | $417.98 | $509.72 | $6,900 | $9,800 |
| Everyday Bronze Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $420.67 | $512.99 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $421.95 | $514.56 | $7,500 | $10,000 |
| Bronze Value Arkansas Blue Cross and Blue Shield | Expanded Bronze | PPO | $426.09 | $519.60 | $6,900 | $9,800 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $434.70 | $530.11 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $436.03 | $531.72 | $7,500 | $10,000 |
| Choice Bronze HSA (QualChoice) Ambetter from Arkansas Health & Wellness | Expanded Bronze | POS | $443.59 | $540.95 | $7,250 | $7,250 |
| Elite Bronze Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $481.11 | $586.70 | $0 | $10,500 |
| Elite Bronze + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Expanded Bronze | PPO | $497.16 | $606.27 | $0 | $10,500 |
| Octave Silver Standardized Octave | Silver | POS | $617.27 | $752.74 | $6,000 | $8,900 |
| Silver Standardized Arkansas Blue Cross and Blue Shield | Silver | PPO | $634.67 | $773.96 | $6,000 | $8,900 |
| Octave Silver AH Octave | Silver | POS | $635.23 | $774.65 | $6,250 | $6,450 |
| HA Silver Standardized Health Advantage | Silver | POS | $644.12 | $785.48 | $6,000 | $8,900 |
| Silver AH Arkansas Blue Cross and Blue Shield | Silver | PPO | $659.23 | $803.91 | $6,350 | $6,550 |
| HA Silver AH Health Advantage | Silver | POS | $661.76 | $806.99 | $6,300 | $6,500 |
| Standard Silver (QualChoice) Ambetter from Arkansas Health & Wellness | Silver | POS | $664.03 | $809.76 | $6,000 | $8,900 |
| Connected Silver (QualChoice) Ambetter from Arkansas Health & Wellness | Silver | POS | $678.68 | $827.63 | $7,350 | $9,100 |
| Standard Silver (QualChoiceLife) Ambetter from Arkansas Health & Wellness | Silver | PPO | $679.05 | $828.07 | $6,000 | $8,900 |
| Standard Silver Ambetter from Arkansas Health & Wellness | Silver | PPO | $682.79 | $832.64 | $6,000 | $8,900 |
| Standard Silver (QualChoice) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Silver | POS | $682.80 | $832.65 | $6,000 | $8,900 |
| Connected Silver (QualChoiceLife) Ambetter from Arkansas Health & Wellness | Silver | PPO | $694.04 | $846.36 | $7,350 | $9,100 |
| Connected Silver Ambetter from Arkansas Health & Wellness | Silver | PPO | $697.87 | $851.02 | $7,350 | $9,100 |
| Connected Silver (QualChoice) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Silver | POS | $697.87 | $851.03 | $7,350 | $9,100 |
| Standard Silver + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Silver | PPO | $705.57 | $860.42 | $6,000 | $8,900 |
| Connected Silver (QualChoiceLife) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Silver | PPO | $719.82 | $877.80 | $7,350 | $9,100 |
| Connected Silver + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Silver | PPO | $721.15 | $879.42 | $7,350 | $9,100 |
| Octave Gold Classic National Octave | Gold | POS | $530.19 | $646.55 | $5,900 | $6,000 |
| Gold Value Arkansas Blue Cross and Blue Shield | Gold | PPO | $545.96 | $665.77 | $0 | $6,300 |
| Standard Gold (QualChoice) Ambetter from Arkansas Health & Wellness | Gold | POS | $549.35 | $669.92 | $2,000 | $8,200 |
| HA Gold Premier National Health Advantage | Gold | POS | $550.40 | $671.19 | $3,900 | $5,800 |
| Standard Gold (QualChoiceLife) Ambetter from Arkansas Health & Wellness | Gold | PPO | $561.78 | $685.07 | $2,000 | $8,200 |
| Standard Gold Ambetter from Arkansas Health & Wellness | Gold | PPO | $564.88 | $688.85 | $2,000 | $8,200 |
| Standard Gold (QualChoice) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | POS | $564.89 | $688.86 | $2,000 | $8,200 |
| Octave Gold Standardized Octave | Gold | POS | $573.56 | $699.44 | $2,000 | $8,200 |
| Standard Gold (QualChoiceLife) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | PPO | $582.65 | $710.52 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | PPO | $583.73 | $711.83 | $2,000 | $8,200 |
| Gold Standardized Arkansas Blue Cross and Blue Shield | Gold | PPO | $588.73 | $717.94 | $2,000 | $8,200 |
| Complete Gold Ambetter from Arkansas Health & Wellness | Gold | PPO | $591.87 | $721.76 | $1,450 | $7,500 |
| HA Gold Standardized Health Advantage | Gold | POS | $598.22 | $729.51 | $2,000 | $8,200 |
| Complete Gold + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | PPO | $611.61 | $745.84 | $1,450 | $7,500 |
| Elite Gold (QualChoice) Ambetter from Arkansas Health & Wellness | Gold | POS | $622.38 | $758.97 | $0 | $6,500 |
| Elite Gold (QualChoiceLife) Ambetter from Arkansas Health & Wellness | Gold | PPO | $636.46 | $776.14 | $0 | $6,500 |
| Elite Gold (QualChoice) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | POS | $639.98 | $780.43 | $0 | $6,500 |
| Elite Gold (QualChoiceLife) + Vision + Adult Dental Ambetter from Arkansas Health & Wellness | Gold | PPO | $660.10 | $804.97 | $0 | $6,500 |
| HA Platinum Premier National Health Advantage | Platinum | POS | $682.93 | $832.81 | $1,475 | $2,050 |
| HA Platinum Standardized Health Advantage | Platinum | POS | $748.96 | $913.34 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $348/mo | $307 | $396 | 19 | 5 |
| 2023 | $368/mo | $337 | $453 | 25 | 5 |
| 2024 | $377/mo | $348 | $447 | 25 | 6 |
| 2025 | $405/mo | $370 | $446 | 21 | 6 |
| 2026 | $675/mo | $617 | $721 | 17 | 6 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
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PlainDoctor — Healthcare providers in Arkansas
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PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
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PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Izard, AR?
There are 52 ACA marketplace plans available in Izard from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Izard?
Silver plans in Izard start at $617/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Izard?
The benchmark (second-lowest Silver) premium in Izard is $635/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Izard?
Average premiums in Izard changed by +54.7% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Izard?
The average annual deductible across all plans in Izard is $5,607, and the average out-of-pocket maximum is $8,350. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Izard?
There are 6 insurance issuers offering ACA marketplace plans in Izard, including Ambetter from Arkansas Health & Wellness, Ambetter from Arkansas Health & Wellness, Health Advantage, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology — how this data is sourced, computed, and verified.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
