Medicare Advantage plans in Arkansas for 2027
Arkansas still lists private fee-for-service plans, a type that has become rare, and its lowest out-of-pocket cap sits higher than in any neighboring state.
Benton, Arkansas: plans open to everyone on Parts A and B
44 plans
31 with a $0 premium and drug coverage · out-of-pocket limits $4,000 to $9,850 · best rating 4.5★ · 5 plan IDs of 2026 not renewed here
44 plans shown · monthly premium = Part C + Part D, before your Part B premium · stars: 2027 ratings published October 8, 2026
| Plan | Premium | Drug deductible | Max out of pocket | Stars |
|---|---|---|---|---|
| Essence Advantage (HMO)Essence Healthcare · HMO · H2610-015-0 | $0 | $450 | $4,000 | 4.0★ |
| HealthSpring Courage (HMO)HealthSpring · HMO · H4513-078-0 | $0 | no drugs | $4,500 | 3.5★ |
| Healthy Arkansas Premier Advantage (HMO-POS)Healthy Arkansas, Inc. · HMO-POS · H7440-001-0 | $0 | $0 | $4,600 | new |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H5216-278-1 | $0 | no drugs | $4,700 | 4.0★ |
| Humana USAA Honor Giveback (PPO)Humana · PPO · H7617-012-0 | $0 | no drugs | $4,700 | 4.5★ |
| Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS · H2663-105-0 | $0 | $400 | $4,900 | 3.5★ |
| Humana Total Complete (HMO-POS)Humana · HMO-POS · H5619-111-0 | $0 | $700 | $4,900 | 4.0★ |
| HumanaChoice H5216-231 (PPO)Humana · PPO · H5216-231-0 | $0 | $520 | $4,900 | 4.0★ |
| Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPO · R1532-001-0 | $0 | no drugs | $5,500 | 3.5★ |
| Humana Value Choice (PPO)Humana · PPO · H7617-066-0 | $0 | $520 | $5,650 | 4.5★ |
| HumanaChoice H5216-337 (PPO)Humana · PPO · H5216-337-3 | $0 | $520 | $5,650 | 4.0★ |
| DEVOTED CHOICE 001 AR (PPO)Devoted Health · PPO · H7397-001-0 | $0 | $650 | $5,700 | too few data |
| HealthSpring Preferred (HMO)HealthSpring · HMO · H4513-052-0 | $0 | $500 | $6,000 | 3.5★ |
| AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-060-0 | $0 | $685 | $6,100 | 3.5★ |
| Healthy Arkansas Preferred (PPO)Healthy Arkansas, Inc. · PPO · H4086-001-0 | $0 | $0 | $6,200 | new |
| AARP Medicare Advantage from UHC AR-0004 (PPO)UnitedHealthcare · PPO · H1889-014-0 | $0 | $685 | $6,500 | 3.5★ |
| Aetna Medicare Signature Extra Plus (PPO)Aetna Medicare · PPO · H5521-726-0 | $0 | $600 | $6,500 | 4.0★ |
| AARP Medicare Advantage Patriot No Rx AR-MA01 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-062-0 | $0 | no drugs | $6,700 | 3.5★ |
| Aetna Medicare Elite (PPO)Aetna Medicare · PPO · H5521-723-0 | $0 | $600 | $6,750 | 4.0★ |
| Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO · H1608-054-0 | $0 | $600 | $6,750 | 4.0★ |
| Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS · H2663-029-0 | $0 | $400 | $6,750 | 3.5★ |
| Wellcare Simple (HMO-POS)Wellcare · HMO-POS · H9630-002-0 | $0 | $700 | $7,100 | 3.0★ |
| AARP Medicare Advantage Extras from UHC AR-7 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-078-0 | $0 | $685 | $7,150 | 3.5★ |
| BlueMedicare Classic Plus (HMO)Arkansas Blue Medicare · HMO · H9699-007-0 | $0 | $560 | $7,150 | 3.0★ |
| BlueMedicare Premier (HMO)Arkansas Blue Medicare · HMO · H6158-001-0 | $0 | $560 | $7,150 | 2.5★ |
| DEVOTED CHOICE GIVEBACK EXTRAS 012 AR (PPO)Devoted Health · PPO · H7397-012-0 | $0 | $700 | $7,600 | too few data |
| Aetna Medicare Eagle Classic Giveback (PPO)Aetna Medicare · PPO · H1608-074-0 | $0 | no drugs | $7,900 | 3.5★ |
| Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO · H5521-724-0 | $0 | no drugs | $7,900 | 4.5★ |
| Humana Essentials Plus Giveback (PPO)Humana · PPO · H7617-056-0 | $0 | $700 | $7,925 | 4.5★ |
| HumanaChoice Giveback H5216-264 (PPO)Humana · PPO · H5216-264-0 | $0 | $700 | $7,925 | 4.0★ |
| Essence Advantage Choice (PPO)Essence Healthcare · PPO · H6200-004-0 | $0 | $700 | $8,200 | 4.0★ |
| HealthSpring True Choice (PPO)HealthSpring · PPO · H7849-102-3 | $0 | $700 | $9,000 | 3.0★ |
| Aetna Medicare Signature Classic Giveback (PPO)Aetna Medicare · PPO · H1608-079-0 | $0 | $600 | $9,250 | 4.0★ |
| Aetna Medicare Signature Classic Plus (PPO)Aetna Medicare · PPO · H1608-021-0 | $0 | $600 | $9,250 | 4.0★ |
| Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO · H5521-725-0 | $0 | $600 | $9,250 | 4.0★ |
| Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO · H5521-722-0 | $0 | $600 | $9,250 | 4.0★ |
| AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-063-0 | $0 | $685 | $9,850 | 3.5★ |
| DEVOTED CHOICE GIVEBACK 002 AR (PPO)Devoted Health · PPO · H7397-002-0 | $0 | $461 | $9,850 | too few data |
| Humana Gold Choice H8145-126 (PFFS)Humana · PFFS · H8145-126-0 | $0 | no drugs | $9,850 | 3.5★ |
| BlueMedicare Value (PFFS)Arkansas Blue Medicare · PFFS · H4213-019-0 | $39 | no drugs | $7,500 | 3.5★ |
| AARP Medicare Advantage from UHC AR-0002 (HMO-POS)UnitedHealthcare · HMO-POS · H2802-061-0 · was $39 in 2026 | $49 | $685 | $6,100 | 3.5★ |
| HumanaChoice H5216-083 (PPO)Humana · PPO · H5216-083-0 · was $46 in 2026 | $59 | $700 | $6,900 | 4.0★ |
| BlueMedicare Preferred (PFFS)Arkansas Blue Medicare · PFFS · H4213-020-0 | $78 | $700 | $7,500 | 3.0★ |
| HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPO · R1532-002-0 · was $50 in 2026 | $119 | $700 | $7,700 | 3.5★ |
Compiled by Radif Partners from the CMS landscape file of September 2026 · How the data is read
For 2027, Arkansas residents with Parts A and B can pick from 54 Medicare Advantage plans open to the public, 37 of which combine drug coverage with a $0 monthly premium. The lowest in-network cap is $4,000, set by Essence Advantage (HMO), and the median is $6,750, compared with $6,550 for the country. PPOs outnumber HMOs, 30 to 21, and 3 private fee-for-service plans remain on the list. Northwest Arkansas and the Little Rock area have the deepest menus: Benton County shows 44 open plans and Pulaski 43. The Delta and the southeast are thinner, with Drew County at 13. 23 plans hold four or more stars for 2027. People who prefer Original Medicare can choose among 11 stand-alone drug plans, priced from $5.30 a month.
Private fee-for-service: a rare plan type that survives here
Arkansas lists 3 PFFS plans for 2027. A private fee-for-service plan sets what it pays doctors and hospitals, and you can see any provider who accepts those payment terms and agrees to treat you; the provider can decide at each visit (Medicare.gov, Private Fee-for-Service plans). That flexibility helps in counties where no HMO has built a network, but it carries a risk: a clinic that took the plan last month can decline it today. Ask your doctors before choosing one, and check whether the plan includes Part D, because if it does not you need a separate drug plan.
Why no Arkansas cap goes below $4,000
The floor of $4,000 comes from Essence Healthcare, an HMO at $0. Arkansas has fewer of the tightly managed HMOs that file very low ceilings in larger markets. The median, $6,750, means half the open plans could leave you paying more than that in a year of heavy treatment, before drug costs.
Part B over a year, without a supplement
2026 total
$3,161
| Premiums | $2,435 |
| Deductible and 20% | $726 |
Bentonville and Little Rock against the Delta
Benton County has 44 open plans and 31 at $0 with drugs. Pulaski follows with 43. In Drew, Desha and Ashley counties, the list drops to 13 to 15 plans, mostly national PPOs. The county table shows every figure.
The companies behind the plans
Humana Inc. (16), CVS Health Corporation (13), Health Care Service Corporation (7), UnitedHealth Group, Inc. (6), USAble Mutual Insurance Company (4), Devoted Health, Inc. (3) file the most open segments. USAble Mutual Insurance Company is the Arkansas Blue Cross parent. The top rating for 2027 is 4.5 stars, held by Aetna Medicare Eagle Giveback (PPO) with a $7,900 cap; a plan with "giveback" in its name returns part of the Part B premium to members.
Arkansas counts 20 D-SNPs for people with both Medicare and Medicaid and 9 C-SNPs for chronic conditions. The open list moved from 56 plans in 2026 to 54, 2 fewer plans. Among drug plans, 1 charges no deductible.
Every county of Arkansas, 2027
| County | Plans open to all | $0 with drugs | Lowest max out of pocket | Rated 4★ or more | vs 2026 |
|---|---|---|---|---|---|
| Arkansas | 22 | 13 | $4,700 | 10 | -8 |
| Ashley | 15 | 8 | $4,700 | 5 | -9 |
| Baxter | 26 | 16 | $4,600 | 9 | same |
| Benton | 44 | 31 | $4,000 | 19 | +5 |
| Boone | 24 | 15 | $4,600 | 9 | -1 |
| Bradley | 18 | 11 | $4,700 | 8 | -7 |
| Calhoun | 28 | 18 | $4,500 | 11 | -4 |
| Carroll | 38 | 25 | $4,000 | 15 | +3 |
| Chicot | 17 | 10 | $4,700 | 8 | -6 |
| Clark | 31 | 18 | $4,500 | 15 | -3 |
| Clay | 19 | 11 | $4,500 | 3 | -4 |
| Cleburne | 33 | 21 | $4,500 | 10 | -5 |
| Cleveland | 17 | 10 | $4,700 | 8 | -6 |
| Columbia | 22 | 14 | $4,700 | 10 | -2 |
| Conway | 32 | 20 | $4,000 | 12 | -8 |
| Craighead | 20 | 10 | $4,500 | 8 | -11 |
| Crawford | 36 | 24 | $4,000 | 18 | +6 |
| Crittenden | 30 | 19 | $4,500 | 11 | -5 |
| Cross | 21 | 12 | $4,500 | 3 | -8 |
| Dallas | 27 | 17 | $4,700 | 12 | -4 |
| Desha | 14 | 7 | $4,700 | 5 | -7 |
| Drew | 13 | 6 | $4,700 | 3 | -7 |
| Faulkner | 40 | 26 | $4,500 | 17 | +6 |
| Franklin | 35 | 22 | $4,000 | 15 | +1 |
| Fulton | 25 | 15 | $4,600 | 9 | +1 |
| Garland | 36 | 22 | $4,500 | 17 | +2 |
| Grant | 34 | 23 | $4,000 | 15 | -1 |
| Greene | 24 | 12 | $4,500 | 8 | -8 |
| Hempstead | 22 | 13 | $4,700 | 12 | -3 |
| Hot Spring | 36 | 22 | $4,500 | 13 | -1 |
| Howard | 17 | 8 | $4,600 | 6 | same |
| Independence | 17 | 10 | $4,500 | 2 | -9 |
| Izard | 25 | 15 | $4,600 | 10 | -2 |
| Jackson | 17 | 8 | $4,500 | 3 | -10 |
| Jefferson | 24 | 14 | $4,600 | 9 | -6 |
| Johnson | 35 | 22 | $4,000 | 15 | +3 |
| Lafayette | 16 | 7 | $4,700 | 6 | -2 |
| Lawrence | 26 | 17 | $4,500 | 9 | -6 |
| Lee | 26 | 17 | $4,500 | 8 | -5 |
| Lincoln | 19 | 12 | $4,700 | 9 | -6 |
| Little River | 18 | 11 | $4,700 | 9 | -5 |
| Logan | 38 | 25 | $4,000 | 15 | +5 |
| Lonoke | 38 | 25 | $4,000 | 16 | -1 |
| Madison | 38 | 26 | $4,000 | 16 | +3 |
| Marion | 25 | 15 | $4,600 | 9 | -4 |
| Miller | 24 | 15 | $4,600 | 12 | same |
| Mississippi | 22 | 15 | $4,500 | 4 | -6 |
| Monroe | 15 | 11 | $4,900 | 5 | -7 |
| Montgomery | 30 | 18 | $4,500 | 15 | -5 |
| Nevada | 22 | 12 | $4,700 | 11 | -7 |
| Newton | 36 | 24 | $4,000 | 15 | +4 |
| Ouachita | 23 | 12 | $4,700 | 11 | -4 |
| Perry | 37 | 24 | $4,000 | 17 | +1 |
| Phillips | 23 | 14 | $4,700 | 11 | -5 |
| Pike | 25 | 15 | $4,700 | 15 | -3 |
| Poinsett | 33 | 20 | $4,500 | 12 | -1 |
| Polk | 27 | 16 | $4,700 | 11 | +6 |
| Pope | 31 | 18 | $4,500 | 14 | -1 |
| Prairie | 29 | 19 | $4,000 | 12 | -4 |
| Pulaski | 43 | 29 | $4,000 | 19 | same |
| Randolph | 23 | 13 | $4,500 | 10 | -6 |
| Saline | 41 | 27 | $4,500 | 17 | -1 |
| Scott | 36 | 23 | $4,000 | 15 | +4 |
| Searcy | 26 | 17 | $4,600 | 9 | -1 |
| Sebastian | 40 | 27 | $4,000 | 18 | +5 |
| Sevier | 18 | 11 | $4,700 | 9 | -5 |
| Sharp | 18 | 11 | $4,600 | 4 | -3 |
| St. Francis | 30 | 18 | $4,500 | 9 | -1 |
| Stone | 26 | 17 | $4,500 | 8 | -6 |
| Union | 27 | 16 | $4,600 | 12 | -3 |
| Van Buren | 29 | 17 | $4,500 | 9 | -7 |
| Washington | 43 | 30 | $4,000 | 19 | +6 |
| White | 17 | 10 | $4,500 | 0 | -9 |
| Woodruff | 17 | 10 | $4,500 | 0 | -5 |
| Yell | 33 | 21 | $4,500 | 14 | -2 |
Stand-alone Part D plans in Arkansas
| Plan | Monthly premium | With full Extra Help | Deductible | 2026 premium | 2027 Part D stars |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP)Wellcare · S4802-153-0 | $5.30 | $5.30 | $700 | $0 | 3.0 |
| Humana Basic Rx Plan (PDP)Humana · S5884-141-0 · Extra Help benchmark | $6.30 | $0 | $700 | $0 | 4.5 |
| Wellcare Classic (PDP)Wellcare · S4802-073-0 | $7.30 | $1 | $700 | $0 | 3.0 |
| HealthSpring Assurance Rx (PDP)Blue Cross and Blue Shield of IL, NM, OK, TX · S5715-039-0 | $9.30 | $3 | $700 | new | 2.5 |
| Humana Value Rx Plan (PDP)Humana · S5884-198-0 | $19.30 | $19.30 | $687 | $0 | 4.5 |
| BlueMedicare Value Rx (PDP)Arkansas Blue Medicare · S5795-003-0 | $98.30 | $92 | $700 | $52.50 | 3.0 |
| Humana Premier Rx Plan (PDP)Humana · S5884-165-0 | $111.70 | $105.40 | $350 | $92.40 | 4.5 |
| AARP Medicare Rx Saver from UHC (PDP)UnitedHealthcare · S5921-364-0 | $119.10 | $112.80 | $700 | $65.10 | 3.0 |
| SilverScript Choice (PDP)Aetna Medicare · S5601-038-0 | $124.10 | $117.80 | $700 | $73.50 | 2.5 |
| AARP Medicare Rx Preferred from UHC (PDP)UnitedHealthcare · S5921-400-0 | $207 | $200.70 | $300 | $114.90 | 3.0 |
| BlueMedicare Premier Rx (PDP)Arkansas Blue Medicare · S5795-002-0 | $223.50 | $217.20 | $0 | $181.20 | 3.0 |