Are you living in the Natural State? If so, you're lucky. Arkansas's beautiful and diverse landscapes are one of the many reasons people love living in this great state. But when it comes to healthcare, getting health insurance coverage can be a bit confusing. Don't worry — we are here to help. We'll provide you with all the information you need about how to get affordable health insurance in Arkansas. 

Understand Different Types of Arkansas Health Insurance Plans

Knowing the different types of plans available to you can be a great way to feel more confident and prepared when deciding about health insurance. Arkansas offers several different types of health insurance plans, including traditional PPOs and HMOs, as well as high-deductible health savings accounts (HSA), point-of-service (POS) plans, and Consumer Directed Health Plans (CDHP). Each type of plan provides a different level of coverage and can be tailored to fit your individual needs.

Employer-Based Insurance

If you qualify, employer-based health insurance plans are often the most cost-effective and comprehensive option for Arkansas residents. Depending on your employer, you may be offered a wide range of plans with varying levels of coverage and deductible amounts. In addition, employers typically offer several types of plans, such as an HMO or PPO, so it's important to carefully research each one before signing up.

Private Health Insurance Plans

Those not qualifying for employer-based insurance or looking for additional coverage can purchase Arkansas health insurance from a private insurer. Private health insurance in Arkansas will vary in cost and coverage, so you'll need to compare prices and benefits before selecting a plan. 

Individual and Family Health Insurance Plans

Individual and family health insurance plans are available to ensure that all members of your family have the coverage they need. These plans often provide comprehensive coverage, including prescription drug benefits, mental health care services, and preventive care. Finding affordable individual health insurance and cost-effective family plans can be challenging, so it's important to research and shop around for the best deal.

Small Business Health Insurance Plans

Arkansas residents can also find small business health insurance plans for businesses with 2-50 employees. These plans are designed to provide affordable coverage that meets the needs of each employee. Small business health insurance typically covers preventive care services, prescription drugs, hospitalization, mental health benefits, and other specialized services. It's a great way to ensure the health of your workforce, keep Arkansas strong and competitive, and ensure employee satisfaction.

Short-Term Health Insurance Plans

Short-term health insurance plans are designed to provide temporary coverage for those between jobs who recently graduated from school and no longer have student health insurance or are waiting for employer-based coverage to kick in. Short-term policies typically offer lower premiums but may not cover as many services as traditional plans. Nevertheless, these plans can be a great option if you need immediate coverage until you qualify for a more comprehensive plan.

Specialized Health Insurance Plans for Contractors, Freelancers, and Self-Employed Workers

Contractors, freelancers, and self-employed workers can also find specialized health insurance plans to suit their needs. These plans typically cover preventive care services, hospitalization, prescription drugs, mental health services, and other specialized benefits. They are a great way to provide comprehensive coverage as well as financial protection in the case of an emergency or major illness. 

Truck Driver Health Insurance

Truck drivers have unique needs when it comes to health insurance since they often spend long periods away from home on the road. That's why health insurance for truck drivers provides comprehensive coverage for the medical expenses incurred while on the job. Coverage includes preventive care services and hospital costs for injuries sustained during transit or loading and unloading of cargo.

Travel Nurse Health Insurance

Travel nurses often need specialized health insurance covering medical expenses incurred while on assignment. Travel nurse health insurance plans provide coverage for preventive care services, hospitalization, prescription drugs and mental health services, as well as other specialized benefits such as repatriation in case of an emergency overseas.

Realtor Health Insurance

Realtors are usually self-employed or considered contractors, so they need to purchase their own health insurance plans. Realtor health insurance policies provide comprehensive coverage for the medical expenses that pop up, allowing them to focus on clients, closing deals, and making money. Coverage includes preventive care services, hospitalization, prescription drugs, mental health services, and other specialized benefits. 

Find a Coverage Provider in Arkansas

It can be challenging to find health insurance coverage providers in Arkansas. But you don't need to spend days searching for affordable health insurance near me. We have some great resources to help you find the best policy for your needs, no matter where you are in the state. 

Arkansas Insurance Department: Health Insurance Marketplace

The Arkansas Health Insurance Marketplace, provided under state and federal law, enables you to search through available plans and compare costs with the goal of offering a centralized purchase process. While this is a useful resource, it can also be confusing and overwhelming due to the sheer amount of information provided.

Private Insurance Companies in Arkansas

Private Insurance Companies in Arkansas are a go-to option for many people since they offer competitive rates and free additional benefits like discounts on gym memberships. However, customers often feel lost in the shuffle of a big machine with no personalized care when seeking guidance or waiting on the phone endlessly for customer service inquiries.

Health Insurance Brokers and Agents

Health insurance brokers and agents provide personalized care and advice when helping individuals select a plan that best fits their needs — because they know you personally! Not only will they help guide you through understanding your options, but they might also point out important things you may have missed while researching the different plans, which could ultimately save you money in premiums and added fees. They're probably your best bet for finding affordable health insurance in Arkansas. 

Finalize Your Health Insurance Plan

Once you've narrowed down your options, you need to make sure that you read through the policy and the terms of service in full before signing up. Then, take time to compare the benefits offered by each plan and think about what will be most beneficial for your lifestyle. Finally, decide on a plan that meets both your needs as well as your budget. 

If you're ready to get started and looking for help, United National Healthcare is here to help you. We specialize in helping people in Arkansas find the health insurance they need at affordable rates. Contact us today to learn more about how we can help you get the coverage that's right for you!