Arkansas ACA Health Insurance

75 counties, 6 issuers, 52 plans

$570
Avg Premium (Age 27)
$695
Avg Premium (Age 40)
$1,477
Avg Premium (Age 60)
$5,607
Avg Deductible

Premium Range

Premiums in Arkansas range from $292/mo to $749/mo (age 27 base rate).

Reading the Arkansas Marketplace

The ACA marketplace in Arkansas lists 52 plans from 6 issuers spread across 75 counties. The statewide average premium is $570/mo for a 27-year-old, $695/mo at age 40, and $1,477/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $292 at the low end to $749 at the high end, before subsidies.

Geography drives most of the within-state variation: Arkansas posts the highest Silver average at $675/mo, while Arkansas sits at $675/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,607, the amount most enrollees must pay before non-preventive coverage begins.

Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.

Top 5 most-expensive counties — Arkansas (Silver avg)

Top 5 most-expensive counties — Arkansas (Silver avg) Horizontal bar chart of the top 5 items by value (USD/mo). Top 5 most-expensive counties — Arkansas (Silver avg) Top 5 1. Arkansas $675 2. Ashley $675 3. Baxter $675 4. Benton $675 5. Boone $675 Top 5 Arkansas counties ranked by average Silver-tier ACA premium (Plan Year 2025). Source: CMS Healthcare.gov rate filings.

Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Arkansas ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.

Most Expensive Counties

# County Silver Avg Plans Issuers
1 Arkansas $675/mo 52 6
2 Ashley $675/mo 52 6
3 Baxter $675/mo 52 6
4 Benton $675/mo 52 6
5 Boone $675/mo 52 6

Most Affordable Counties

# County Silver Avg Plans Issuers
1 Arkansas $675/mo 52 6
2 Ashley $675/mo 52 6
3 Baxter $675/mo 52 6
4 Benton $675/mo 52 6
5 Boone $675/mo 52 6

All Counties in Arkansas

County Silver Avg Bronze Avg Gold Avg Plans Issuers YoY
Arkansas $675 N/A $586 52 6 +54.7%
Ashley $675 N/A $586 52 6 +54.7%
Baxter $675 N/A $586 52 6 +54.7%
Benton $675 N/A $586 52 6 +54.7%
Boone $675 N/A $586 52 6 +54.7%
Bradley $675 N/A $586 52 6 +54.7%
Calhoun $675 N/A $586 52 6 +54.7%
Carroll $675 N/A $586 52 6 +54.7%
Chicot $675 N/A $586 52 6 +54.7%
Clark $675 N/A $586 52 6 +54.7%
Clay $675 N/A $586 52 6 +54.7%
Cleburne $675 N/A $586 52 6 +54.7%
Cleveland $675 N/A $586 52 6 +54.7%
Columbia $675 N/A $586 52 6 +54.7%
Conway $675 N/A $586 52 6 +54.7%
Craighead $675 N/A $586 52 6 +54.7%
Crawford $675 N/A $586 52 6 +54.7%
Crittenden $675 N/A $586 52 6 +54.7%
Cross $675 N/A $586 52 6 +54.7%
Dallas $675 N/A $586 52 6 +54.7%
Desha $675 N/A $586 52 6 +54.7%
Drew $675 N/A $586 52 6 +54.7%
Faulkner $675 N/A $586 52 6 +54.7%
Franklin $675 N/A $586 52 6 +54.7%
Fulton $675 N/A $586 52 6 +54.7%
Garland $675 N/A $586 52 6 +54.7%
Grant $675 N/A $586 52 6 +54.7%
Greene $675 N/A $586 52 6 +54.7%
Hempstead $675 N/A $586 52 6 +54.7%
Hot Spring $675 N/A $586 52 6 +54.7%
Howard $675 N/A $586 52 6 +54.7%
Independence $675 N/A $586 52 6 +54.7%
Izard $675 N/A $586 52 6 +54.7%
Jackson $675 N/A $586 52 6 +54.7%
Jefferson $675 N/A $586 52 6 +54.7%
Johnson $675 N/A $586 52 6 +54.7%
Lafayette $675 N/A $586 52 6 +54.7%
Lawrence $675 N/A $586 52 6 +54.7%
Lee $675 N/A $586 52 6 +54.7%
Lincoln $675 N/A $586 52 6 +54.7%
Little River $675 N/A $586 52 6 +54.7%
Logan $675 N/A $586 52 6 +54.7%
Lonoke $675 N/A $586 52 6 +54.7%
Madison $675 N/A $586 52 6 +54.7%
Marion $675 N/A $586 52 6 +54.7%
Miller $675 N/A $586 52 6 +54.7%
Mississippi $675 N/A $586 52 6 +54.7%
Monroe $675 N/A $586 52 6 +54.7%
Montgomery $675 N/A $586 52 6 +54.7%
Nevada $675 N/A $586 52 6 +54.7%
Newton $675 N/A $586 52 6 +54.7%
Ouachita $675 N/A $586 52 6 +54.7%
Perry $675 N/A $586 52 6 +54.7%
Phillips $675 N/A $586 52 6 +54.7%
Pike $675 N/A $586 52 6 +54.7%
Poinsett $675 N/A $586 52 6 +54.7%
Polk $675 N/A $586 52 6 +54.7%
Pope $675 N/A $586 52 6 +54.7%
Prairie $675 N/A $586 52 6 +54.7%
Pulaski $675 N/A $586 52 6 +54.7%
Randolph $675 N/A $586 52 6 +54.7%
Saint Francis $675 N/A $586 52 6 +54.7%
Saline $675 N/A $586 52 6 +54.7%
Scott $675 N/A $586 52 6 +54.7%
Searcy $675 N/A $586 52 6 +54.7%
Sebastian $675 N/A $586 52 6 +54.7%
Sevier $675 N/A $586 52 6 +54.7%
Sharp $675 N/A $586 52 6 +54.7%
Stone $675 N/A $586 52 6 +54.7%
Union $675 N/A $586 52 6 +54.7%
Van Buren $675 N/A $586 52 6 +54.7%
Washington $675 N/A $586 52 6 +54.7%
White $675 N/A $586 52 6 +54.7%
Woodruff $675 N/A $586 52 6 +54.7%
Yell $675 N/A $586 52 6 +54.7%

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

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ACA Health Insurance in Arkansas

The Affordable Care Act marketplace in Arkansas offers 52 health insurance plans from 6 issuers across 75 counties. Premiums vary significantly by geography: the most expensive county (Arkansas) averages $675/mo for a Silver plan, while the most affordable (Arkansas) averages $675/mo.

Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,607, though lower-deductible options are available at higher monthly premiums.

Frequently Asked Questions

How much does health insurance cost in Arkansas? ▼
The average ACA marketplace premium in Arkansas is $570/mo for a 27-year-old, $695/mo for a 40-year-old, and $1,477/mo for a 60-year-old. Premiums range from $292 to $749/mo across 75 counties and 6 issuers.
What is the cheapest health insurance plan in Arkansas? ▼
The most affordable county for ACA coverage in Arkansas is Arkansas with an average Silver plan premium of $675/mo. Actual costs depend on age, tobacco use, household income, and subsidy eligibility.
How many health insurance companies operate in Arkansas? ▼
6 insurance issuers offer 52 ACA marketplace plans across 75 counties in Arkansas. Competition varies by county, with some areas having more plan choices than others.
Where is health insurance most expensive in Arkansas? ▼
The most expensive county for ACA coverage in Arkansas is Arkansas, where the average Silver plan costs $675/mo. By comparison, the most affordable county is Arkansas at $675/mo — a difference driven by issuer competition and local healthcare costs.
What is the average deductible for health plans in Arkansas? ▼
The average annual deductible across ACA marketplace plans in Arkansas is $5,607. Bronze plans typically have higher deductibles (lower premiums), while Gold and Platinum plans offer lower deductibles at higher monthly costs. Silver plans with cost-sharing reductions may offer even lower deductibles for qualifying households.

Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.

Read our methodology — how this data is sourced, computed, and verified.

Related

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Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial