Health insurance prices in Clay County, AR (2026)
52 marketplace plans from 3 insurers. Cheapest plan $447/mo; typical Silver $828/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 2.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $447–$606 (typical $514) · Silver $753–$879 (typical $828) · Gold $647–$805 (typical $711) · Platinum $833–$913 (typical $873) · Catastrophic $356–$356 (typical $356)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Octave | 6 | $447 | $479 | $764 | $673 | Octave Bronze Exp Standardized | |
| Arkansas Blue Cross and Blue ShieldArkansas BCBS (Blue Cross Blue Shield company) | 15 | $452 | $470 | $795 | $695 | Bronze Exp Standardized | |
| Ambetter (Centene) | 31 | $500 | $531 | $846 | $717 | Standard Expanded Bronze (QualChoice) |
All 52 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Arkansas Blue Cross and Blue Shield | Catastrophic HSA | Catastrophic | PPO | $356 | $10,600 | $10,600 | $14,870 | |
| Octave | Octave Bronze Exp Standardized | Expanded Bronze | POS | $447 | $7,500 | $10,000 | $15,369 | |
| Arkansas Blue Cross and Blue Shield | Bronze Exp Standardized | Expanded Bronze | PPO | $452 | $7,500 | $10,000 | $15,418 | |
| Arkansas Blue Cross and Blue Shield | HA Bronze Exp Standardized | Expanded Bronze | POS | $463 | $7,500 | $10,000 | $15,559 | |
| Arkansas Blue Cross and Blue Shield | HA Bronze National | Expanded Bronze | POS | $476 | $9,975 | $9,975 | $15,688 | |
| Ambetter (Centene) | Standard Expanded Bronze (QualChoice) | Expanded Bronze | POS | $500 | $7,500 | $10,000 | $16,005 | |
| Octave | Octave Bronze Value | Expanded Bronze | POS | $510 | $6,900 | $9,800 | $15,917 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | PPO | $513 | $8,450 | $10,150 | $16,306 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | PPO | $515 | $7,500 | $10,000 | $16,175 | |
| Arkansas Blue Cross and Blue Shield | Bronze Value | Expanded Bronze | PPO | $520 | $6,900 | $9,800 | $16,035 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $530 | $8,450 | $10,150 | $16,511 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $532 | $7,500 | $10,000 | $16,381 | |
| Ambetter (Centene) | Choice Bronze HSA (QualChoice) | Expanded Bronze | POS | $541 | $7,250 | $7,250 | $13,741 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | PPO | $587 | $0 | $10,500 | $17,540 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | PPO | $606 | $0 | $10,500 | $17,775 | |
| Octave | Octave Gold Classic National | Gold | POS | $647 | $5,900 | $6,000 | $13,759 | |
| Arkansas Blue Cross and Blue Shield | Gold Value | Gold | PPO | $666 | $0 | $6,300 | $14,289 | |
| Ambetter (Centene) | Standard Gold (QualChoice) | Gold | POS | $670 | $2,000 | $8,200 | $16,239 | |
| Arkansas Blue Cross and Blue Shield | HA Gold Premier National | Gold | POS | $671 | $3,900 | $5,800 | $13,854 | |
| Ambetter (Centene) | Standard Gold (QualChoiceLife) | Gold | PPO | $685 | $2,000 | $8,200 | $16,421 | |
| Ambetter (Centene) | Standard Gold | Gold | PPO | $689 | $2,000 | $8,200 | $16,466 | |
| Ambetter (Centene) | Standard Gold (QualChoice) + Vision + Adult Dental | Gold | POS | $689 | $2,000 | $8,200 | $16,466 | |
| Octave | Octave Gold Standardized | Gold | POS | $699 | $2,000 | $8,200 | $16,593 | |
| Ambetter (Centene) | Standard Gold (QualChoiceLife) + Vision + Adult Dental | Gold | PPO | $711 | $2,000 | $8,200 | $16,726 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | PPO | $712 | $2,000 | $8,200 | $16,742 | |
| Arkansas Blue Cross and Blue Shield | Gold Standardized | Gold | PPO | $718 | $2,000 | $8,200 | $16,815 | |
| Ambetter (Centene) | Complete Gold | Gold | PPO | $722 | $1,450 | $7,500 | $16,161 | |
| Arkansas Blue Cross and Blue Shield | HA Gold Standardized | Gold | POS | $730 | $2,000 | $8,200 | $16,954 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | PPO | $746 | $1,450 | $7,500 | $16,450 | |
| Octave | Octave Silver Standardized | Silver | POS | $753 | $6,000 | $8,900 | $17,933 | |
| Ambetter (Centene) | Elite Gold (QualChoice) | Gold | POS | $759 | $0 | $6,500 | $15,608 | |
| Arkansas Blue Cross and Blue Shield | Silver Standardized | Silver | PPO | $774 | $6,000 | $8,900 | $18,188 | |
| Octave | Octave Silver AH | Silver | POS | $775 | $6,250 | $6,450 | $15,746 | |
| Ambetter (Centene) | Elite Gold (QualChoiceLife) | Gold | PPO | $776 | $0 | $6,500 | $15,814 | |
| Ambetter (Centene) | Elite Gold (QualChoice) + Vision + Adult Dental | Gold | POS | $780 | $0 | $6,500 | $15,865 | |
| Arkansas Blue Cross and Blue Shield | HA Silver Standardized | Silver | POS | $785 | $6,000 | $8,900 | $18,326 | |
| Arkansas Blue Cross and Blue Shield | Silver AH | Silver | PPO | $804 | $6,350 | $6,550 | $16,197 | |
| Ambetter (Centene) | Elite Gold (QualChoiceLife) + Vision + Adult Dental | Gold | PPO | $805 | $0 | $6,500 | $16,160 | |
| Arkansas Blue Cross and Blue Shield | HA Silver AH | Silver | POS | $807 | $6,300 | $6,500 | $16,184 | |
| Ambetter (Centene) | Standard Silver (QualChoice) | Silver | POS | $810 | $6,000 | $8,900 | $18,617 | |
| Ambetter (Centene) | Connected Silver (QualChoice) | Silver | POS | $828 | $7,350 | $9,100 | $19,032 | |
| Ambetter (Centene) | Standard Silver (QualChoiceLife) | Silver | PPO | $828 | $6,000 | $8,900 | $18,837 | |
| Ambetter (Centene) | Standard Silver | Silver | PPO | $833 | $6,000 | $8,900 | $18,892 | |
| Ambetter (Centene) | Standard Silver (QualChoice) + Vision + Adult Dental | Silver | POS | $833 | $6,000 | $8,900 | $18,892 | |
| Arkansas Blue Cross and Blue Shield | HA Platinum Premier National | Platinum | POS | $833 | $1,475 | $2,050 | $12,044 | |
| Ambetter (Centene) | Connected Silver (QualChoiceLife) | Silver | PPO | $846 | $7,350 | $9,100 | $19,256 | |
| Ambetter (Centene) | Connected Silver | Silver | PPO | $851 | $7,350 | $9,100 | $19,312 | |
| Ambetter (Centene) | Connected Silver (QualChoice) + Vision + Adult Dental | Silver | POS | $851 | $7,350 | $9,100 | $19,312 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | PPO | $860 | $6,000 | $8,900 | $19,225 | |
| Ambetter (Centene) | Connected Silver (QualChoiceLife) + Vision + Adult Dental | Silver | PPO | $878 | $7,350 | $9,100 | $19,634 | |
| Ambetter (Centene) | Connected Silver + Vision + Adult Dental | Silver | PPO | $879 | $7,350 | $9,100 | $19,653 | |
| Arkansas Blue Cross and Blue Shield | HA Platinum Standardized | Platinum | POS | $913 | $0 | $5,200 | $16,160 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $447 | $514 | $606 | 14 | $7,500 | $10,000 | $16,020 |
| Silver | $753 | $828 | $879 | 17 | $6,250 | $8,900 | $18,892 |
| Gold | $647 | $711 | $805 | 18 | $2,000 | $7,850 | $16,330 |
| Platinum | $833 | $873 | $913 | 2 | $738 | $3,625 | $14,102 |
| CatastrophicUnder 30 or hardship exemption only | $356 | $356 | $356 | 1 | $10,600 | $10,600 | $14,870 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.