Medicare Advantage Plans in Arkansas 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Arkansas has seen steady Medicare Advantage growth over the past several years, with roughly 41 percent of beneficiaries now in private plans. The Little Rock metro has the most plan options. Rural counties in the Delta, Ozarks, and Arkansas River Valley have fewer choices and smaller provider networks.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Arkansas.
Rural Coverage Note
Parts of Arkansas have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Arkansas Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Arkansas
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Arkansas
Medigap is widely sold in Arkansas. Residents in rural parts of the state often prefer Medigap because many specialists may not be in-network for local Advantage plans, particularly outside Little Rock and Fayetteville.