Health Insurance Carriers in Arkansas
Health Insurance regulations differ from state to
state, and the carriers that offer health care coverage in Arkansas
have different plans and options. We hope you will find this resource
informative and useful. First, review the list of carriers we
recommend in Arkansas and click the links to learn more about
them. Second, review basic information about Arkansas Health Insurance
at the bottom of this page.
Request more information about health insurance >>
Health Insurance Providers in Arkansas:
American
Medical Security
Arkansas Blue Cross Blue Shield
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group /
TIG
Golden Rule
Security Life
UNICARE
Individual Health Insurance in Arkansas (including
Self-Employed)
- Providers may deny coverage because of a health problem.
- If unable to secure coverage because of a health problem, Arkansas Comprehensive Health Insurance Pool insurance may be
available.
- Individual plans may attach elimination riders.
- Some health conditions affecting certain body parts can only be excluded for 6 months.
- Pregnancy and genetic information may both be considered pre-existing conditions.
- There is no limit on the cost of premiums on individual policies.
Get more information about health insurance >>
Self-Employed Health Insurance in Arkansas
- For the self-employed, group insurance is not available.
- Affiliation with a trade association for the purpose of acquiring group health coverage has rules which should be checked
with the Arkansas Department of Insurance.
Group Health Insurance in Arkansas (including Small
Business)
- Coverage cannot be denied applicants who
qualify, nor can they be expected to pay more or be cancelled
because of a health condition.
- An employer may require a wait period before offering
group insurance.
- If there is a pre-existing condition, applicants may meet
with an exclusion period of up to 12 months.
- The provider may review medical records for the 6 months
prior to coverage.
- If coverage was maintained with no lapse longer than 63
days, applicant is eligible for creditable coverage toward any
exclusion period.
Small Business Health Insurance in Arkansas
- A small business cannot be turned down or
be cancelled due to illness of an employee.
- However, due to a sick person in the group of up to 25,
premiums may rise to a certain limit.
- There is continuation coverage for certain employees.
Contact the Department of Insurance for details.
- Large businesses of 26 or more employees may be denied
insurance and have no limitations on premiums.
Arkansas Programs
For the most up-to-date and accurate information
about Arkansas Health Insurance, contact the department below:
Arkansas Department of Insurance
1200 W. 3rd Street
Little Rock, AR 72201
(501) 371-2600
www.state.ar.us/insurance
Arkansas has a Medicaid Program and ARKids
First Programs to assist low income individuals.
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more information about health insurance >>
