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Arkansas · 2026 plan year

Silver health insurance plans in Arkansas (2026)

There are 17 Silver plans on the Arkansas Marketplace from 4 insurers, and they are not interchangeable — premiums run from $589 to $688 a month for the same metal tier. Here is what separates them.

17
Silver plans
4
Insurers
Statewide
Counties covered
$589
Cheapest premium
$6,000
Median 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.

In Arkansas, Silver costs more than Gold.

The average Silver plan in Arkansas runs $644 a month against $560 for Gold — $85 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.

One carrier files 65% of Arkansas's Silver plans.

Ambetter from Arkansas Health & Wellness accounts for 11 of the 17 Silver 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.

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.

Cost

What a Silver plan costs in Arkansas in 2026

Across all 17 Silver plans in Arkansas, monthly premiums run from $589 to $688, averaging $644. 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.

Deductibles

Silver plan deductibles in Arkansas

Silver deductibles in Arkansas run from $6,000 to $6,000, with a median of $6,000 across the 8 plans with one combined deductible — 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 $6,000 because the spread is not symmetric. The other 9 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. 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.

Out-of-pocket maximum

Silver out-of-pocket maximums in Arkansas

Individual out-of-pocket maximums on Arkansas Silver plans run from $6,450 to $9,100, with a median of $8,900. 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.

Lowest premiums

The cheapest Silver plans in Arkansas

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Octave Silver StandardizedOctave$589$6,000$8,900
Silver StandardizedArkansas Blue Cross and Blue Shield$606$6,000$8,900
Octave Silver AHOctave$606$6,250 medical + $0 Rx (separate)$6,450
HA Silver StandardizedHealth Advantage$615$6,000$8,900
Silver AHArkansas Blue Cross and Blue Shield$629$6,350 medical + $0 Rx (separate)$6,550

Showing 5 of 17. See all Arkansas Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Ambetter from Arkansas Health & Wellness11$634$661$6,000
Arkansas Blue Cross and Blue Shield2$606$617$6,000
Health Advantage2$615$623$6,000
Octave2$589$598$6,000
Other tiers in Arkansas

How Silver compares to the rest

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

All ArkansasMarketplace plans →

Nearby on price

States with similar Silver premiums

Texas
Avg $623
303 Silver plans
Nebraska
Avg $654
60 Silver plans
West Virginia
Avg $753
13 Silver plans
Common questions

Arkansas Silver plans, answered

What are the copays on Arkansas Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 17 Silver plans in Arkansas, out-of-pocket maximums run $6,450 to $9,100, and deductibles on the 8 plans with one combined deductible run $6,000 to $6,000. The other 9 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Arkansas?
Anyone eligible to buy Marketplace coverage in Arkansas can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($644 a month on average) is higher than Gold in some states.
What is the deductible on Arkansas Silver plans?
Silver deductibles in Arkansas run from $6,000 to $6,000 across the 8 plans with one combined deductible, with a median of $6,000 — that median is the figure closest to a typical plan. The other 9 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $6,450 to $9,100. The spread inside a single 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 Silver plans available in my Arkansas county?
Silver 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 Marketplace plan in Arkansas?
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 Silver premiums in Arkansas start at $589 a month before any subsidy.

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