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Obamacare in Arkansas

Arkansas residents have benefited from the Affordable Care Act, also called Obamacare, since its inception. To date, approximately 65,684 AR residents have received plans, or have reenrolled using the Health Insurance Marketplace. Nationwide, nearly 11 million Americans have enjoyed medical benefits with slightly less than 90 percent receiving some sort of subsidy or tax credit. Many applicants in Arkansas were able to qualify for quality healthcare that costs less than $100 a month. For more information on healthcare in Arkansas, refer to the following topics:

  • Did Arkansas accept the Obamacare Medicaid expansion?
  • Does the state or federal government run the health insurance exchange in Arkansas?
  • Eligibility for Obamacare in Arkansas
  • How to apply for Obamacare in Arkansas
  • Health plan cost and availability in Arkansas

Did Arkansas accept the ACA Medicaid expansion?

The ACA Medicaid expansion option was offered by the US Congress as a way to compensate for the lack of coverage to those living in extreme poverty. This expansion allows AR residents who fall below 138 percent of the poverty level in their area to receive Medicaid, or CHIP. Many states opted not to adopt the Obamacare Medicaid expansion because of the ACA Medicaid expansion cost to states and the tax burden that it may represent to their citizens. AR determined that the 10 percent cost that would be expected of the state would not represent a significant burden to taxpayers and in 2015 agreed to implement the Affordable Care Act Medicaid expansion for those who were most in need.

What is the expansion of Medicaid? The Obamacare Medicaid eligibility expansion in Arkansas has allowed 267,678 residents that they were not previously qualified for healthcare with earlier plans to receive medical coverage. The Obamacare Medicaid application has saved many Arkansas families an average of $183 when switching from private insurance to the healthcare exchange plans offered. What is the Obamacare Medicaid expansion? Obamacare candidates looking for more information, or want to learn Obamacare Medicaid expansion details, can speak with a registered insurance agent, a licensed negotiator from the marketplace, or read the material provided on the government website.

Does the state or federal government run the health insurance exchange in Arkansas?

The Obamacare health insurance exchange in Arkansas is operated as a partnership exchange, along with the federal government. This year, however, AR will offer its own exchange, but will operate using the federal government’s platform. The state-run exchange will be called the Arkansas Health Insurance Marketplace, but will still have to adhere to federal health insurance exchange regulations. What is the health insurance exchange in Arkansas? The AR Obamacare healthcare marketplace offers residents of the state a selection of carriers and plans to fit everyone’s healthcare needs. Medical coverage is in alignment with the federal government’s mandate that all US citizens, with a few exceptions, have access to quality medical coverage, regardless of income or pre-existing conditions.

What is the marketplace for health insurance? The health insurance marketplace is a digital platform that allows AR residents to view a comparative listing of the various healthcare plans that are available within the state. Along with the presented plans, the applicant will be informed as to the amount they can expect to receive in the form of subsidies.

Eligibility for Obamacare in Arkansas

Those who are interested in applying, often wonder, “What are the requirements to apply for Obamacare in AR?” In order to apply for healthcare through the AR exchange, residents must:

  • Show proof of in-county residency
  • Show proof of income
  • Provide Social Security numbers for all household members

Who is eligible for Obamacare in AR? To determine eligibility for subsidies additional information will be required, such as whether or not the applicant is receiving other forms of government aid, if the applicant is disabled or if the applicant is a smoker. Individuals who are currently incarcerated will not meet Obamacare coverage eligibility requirements. However, those concerned about how to qualify for Obamacare in Alabama should note that no one will be denied coverage due to income, household information, or a pre-existing condition. Obamacare income requirements are merely collected in order to determine the amount of tax credit or subsidy for which the applicant may be entitled.

How to Apply for Obamacare in Arkansas

What do I need to apply for Obamacare? Obamacare candidates wondering what is needed to sign up for Obamacare in AR should know that they will have to gather a number of documents for all members of the household. Applicants who want to learn how to enroll in Obamacare in Arkansas have several options when it comes to applying. The process for how to apply for Obamacare insurance is quite straightforward, though many applicants wonder where to apply for Obamacare, if they do not wish to apply online. Those who wish to apply over the phone can do so by calling the number indicated, or speak with a knowledgeable insurance agent. The application can be filled out for residents over the phone, or the application form can be printed out and mailed in. Either way, residents will need to gather documents including pay stubs, tax returns, current insurance plan statements, and social security numbers for everyone living in the household. One of the most frequently asked questions about Obamacare is “Can I apply online for Obamacare?” and the answer is, yes. In fact, learning how to get Obamacare by applying online through the Arkansas exchange is beneficial because it is the quickest and most effective way to proceed.

Health Plan Cost and Availability in Arkansas

Arkansas currently has five health insurance carriers, including AR Blue Cross Blue Shield, Celtic, QualChoice and UnitedHealthcare of AR. The Obamacare health insurance plans costs vary by plan level, which include bronze, silver, gold, platinum, and catastrophic insurances. Children may remain on their parents’ plans until they reach the age of 26.

How much does Obamacare cost in AR? Obamacare health insurance price estimates are based on several factors, including household income and age. Potential applicants asking, “How much will Obamacare insurance cost me?” should know that an average family of four that earns $40,000 a year and selects the silver plan, can be expected to pay, depending on where they live in the state, approximately $159 per month.