SimpliveraCoverage Companion
Arkansas · 2026 plan year

Gold health insurance plans in Arkansas

There are 18 Gold plans on the Arkansas Marketplace from 4 insurers, and they are not interchangeable — premiums run from $506 to $630 a month for the same metal tier. Here is what separates them.

18
Gold plans
4
Insurers
Statewide
Counties covered
$506
Cheapest premium
$1,706
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

One carrier files 67% of Arkansas's Gold plans.

Ambetter from Arkansas Health & Wellness accounts for 12 of the 18 Gold plans in Arkansas. A long plan list can look like a wide choice while most of it resolves to one network and one formulary — worth knowing before you treat plan count as a measure of competition.

Arkansas Gold premiums rank 17th cheapest of 30.

Averaged across all 18 plans, Gold coverage in Arkansas costs $560 a month before subsidies — 17th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Gold plans in Arkansas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Octave Gold Classic NationalOctave$506$5,900$6,000
Gold ValueArkansas Blue Cross and Blue Shield$521$0$6,300
Standard Gold (QualChoice)Ambetter from Arkansas Health & Wellness$524$2,000$8,200
HA Gold Premier NationalHealth Advantage$525$3,900$5,800
Standard Gold (QualChoiceLife)Ambetter from Arkansas Health & Wellness$536$2,000$8,200

Showing 5 of 18. See all Arkansas Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Ambetter from Arkansas Health & Wellness12$524$570
Arkansas Blue Cross and Blue Shield2$521$541
Health Advantage2$525$548
Octave2$506$527
Other tiers in Arkansas

How Gold compares to the rest

Bronze
Avg $402 · from $350
14 plans
Silver
Avg $644 · from $589
17 plans
Gold
Avg $560 · from $506
18 plans · you are here

All ArkansasMarketplace plans →

Nearby on price

States with similar Gold premiums

Louisiana
Avg $559
29 Gold plans
Kansas
Avg $565
20 Gold plans
Montana
Avg $571
34 Gold plans
Common questions

Arkansas Gold plans, answered

What are the copays on a Arkansas Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 18 Gold plans in Arkansas, deductibles average $1,706 and the out-of-pocket maximum averages $7,383. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Arkansas?
Any Arkansas Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,706 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Arkansas Gold plan?
The average across all 18 Gold plans in Arkansas is $1,706, with an average out-of-pocket maximum of $7,383. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Arkansas county?
Gold plans are sold statewide across Arkansas, from 4 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Arkansas Marketplace plan?
Arkansas uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Arkansas start at $506 a month before any subsidy.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 18 Arkansas Gold plans.

Estimate my costs — it’s free →