Arkansas Health Insurance

Health Insurance in Arkansas

For those who require individual or family insurance in this state, below are the current insurance regulations for Arkansas:

• Access to individual health insurance can depend on health status.  
• Consumers are not guaranteed the right to move between individual policies.
• Insurance carriers can add an elimination rider onto any policy, and pre-existing conditions are in effect.
• If pre-existing conditions are not addressed at the formation of the policy, they can only exclude a condition for twelve months, as opposed to the state's typical five-year allowance.

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Health insurance opportunities for limited income families are available through the Public Health Department. Medicaid (ARKids A) offers comprehensive coverage to those living under the poverty limit, while ARKids B, Arkansas' S-CHIP offering, provides comprehensive medical coverage to children of whose families make lower incomes.

For those whose income puts them out of reach of state aid, there are still many health insurance options, including the following:

• Health insurance through associations: Whether you're in a teachers union, farm workers organization or hobby group, you can get individual coverage at group prices.
• Comprehensive Health Insurance Pool (CHIP): This plan is meant for Arkansas residents who cannot get health insurance coverage elsewhere due to a physical condition.
• Discount plans and individual options: Some companies offer medical discount plans for a small monthly fee.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.