Arkansas · 2026 plan year

Medicare Advantage HMO plans in Arkansas

There are 47 Medicare Advantage HMO plans in Arkansas from 9 carriers, averaging 3.82 out of 5 stars across the 45 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

47
HMO plans
9
Carriers
75
Counties covered
3.8
Avg stars (45 of 47 rated)
$7,456
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Every HMO plan in Arkansas with a published premium costs $0 a month.

A $0 premium is normal for Medicare Advantage and does not mean the plan is free — you still pay the Part B premium to Medicare, plus copays and coinsurance as you use care. The out-of-pocket maximum, which averages $7,456 here, is the number that caps a bad year.

Arkansas HMO plans rank 24th of 49 on star rating.

Across the 45 rated plans here the average overall rating is 3.82 stars, 24th highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Arkansas

Showing 5 of 47. See all ArkansasMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Essence HealthcareLumeris Group Holdings Corporation94.5
Cigna HealthCareHealth Care Service Corporation74.52
Aetna MedicareCVS Health Corporation63.83
Wellcare By AllwellCentene Corporation63.53
UnitedHealthcareUnitedHealth Group, Inc.54.0
WellcareCentene Corporation53.02
HumanaHumana Inc.43.01
Arkansas Blue MedicareUSAble Mutual Insurance Company33.0
Tribute Health PlansSelect Founders, LLC22
Other plan types in Arkansas

How HMO compares

All ArkansasMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Arkansas Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Arkansas?
Of the Arkansas HMO plans with a published premium, 100% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,456 across these plans.
What are the star ratings for Arkansas HMO plans?
The 45 rated HMO plans in Arkansas average 3.82 out of 5 stars, with 25 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Arkansas?
There are 47 HMO plans from 9 carriers, sold across 75 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 13 of them are Special Needs Plans with extra eligibility rules (see below).
Do Arkansas HMO plans include prescription drug coverage?
47 of the 47 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Arkansas?
13 of the 47 HMO plans in Arkansas are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Arkansas Medicare Advantage plans.

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