Gold health insurance plans in Arkansas (2026)
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.
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 19th cheapest of 35.
Averaged across all 18 plans, Gold coverage in Arkansas costs $560 a month before subsidies — 19th lowest of the 35 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.
What a Gold plan costs in Arkansas in 2026
Across all 18 Gold plans in Arkansas, monthly premiums run from $506 to $630, averaging $560. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Arkansas enrollees, often to a fraction of the sticker price.
Gold plan deductibles in Arkansas
Gold deductibles in Arkansas run from $0 to $5,900, with a median of $2,000 across all 18 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,706 because the spread is not symmetric. Some Arkansas Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Gold out-of-pocket maximums in Arkansas
Individual out-of-pocket maximums on Arkansas Gold plans run from $5,800 to $8,200, with a median of $7,850. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
The cheapest Gold plans in Arkansas
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-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 →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Ambetter from Arkansas Health & Wellness | 12 | $524 | $570 | $0–$2,000 |
| Arkansas Blue Cross and Blue Shield | 2 | $521 | $541 | $0–$2,000 |
| Health Advantage | 2 | $525 | $548 | $2,000–$3,900 |
| Octave | 2 | $506 | $527 | $2,000–$5,900 |
How Gold compares to the rest
States with similar Gold premiums
Arkansas Gold plans, answered
What are the copays on Arkansas Gold plans?
Who is eligible for a Gold plan in Arkansas?
What is the deductible on Arkansas Gold plans?
Are Gold plans available in my Arkansas county?
When can I enroll in a Marketplace plan in Arkansas?
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