Best Medicare Advantage Plans in Arkansas for 2027
Every general-audience Medicare Advantage plan with drug coverage in Arkansas, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Arkansas plans, ranked
Showing all 45 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Essence Advantage (HMO)Essence Healthcare · HMO17 of 75 counties · drug deductible $450Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $80/yr | $0 | $4,000 | $4,000 | 4★ |
| 2 | Healthy Arkansas Premier Advantage (HMO-POS)Healthy Arkansas, Inc. · HMO-POS35 of 75 counties · drug deductible $0Part B giveback $5/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $300/yr | $0−$5 Part B giveback | $4,600 | $4,540 | Too new to rate |
| 3 | Aetna Medicare Signature Extra (HMO-POS)Aetna Medicare · HMO-POS4 of 75 counties · drug deductible $400Dental up to $2,000/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $240/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 4 | Humana Total Complete (HMO-POS)Humana · HMO-POS52 of 75 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $0 | $4,900 | $4,900 | 4★ |
| 5 | HumanaChoice H5216-231 (PPO)Humana · PPO57 of 75 counties · drug deductible $520Dental up to $1,250/yr · eyewear $200/yr | $0 | $4,900 | $4,900 | 4★ |
| 6 | Healthy Arkansas Preferred (PPO)Healthy Arkansas, Inc. · PPO35 of 75 counties · drug deductible $0Part B giveback $105/mo · Dental up to $3,000/yr · eyewear $300/yr · hearing aids $1,950/yr · OTC items $180/yr | $0−$105 Part B giveback | $6,200 | $4,940 | Too new to rate |
| 7 | HealthSpring Preferred (HMO)HealthSpring · HMO16 of 75 counties · drug deductible $500Dental up to $1,600/yr · eyewear $225/yr · OTC items $200/yr | $0 | $4,950 | $4,950 | 3.5★ |
| 8 | Humana Gold Plus H5619-122 (HMO)Humana · HMO21 of 75 counties · drug deductible $700Dental up to $1,500/yr · eyewear $250/yr | $26 | $4,900 | $5,212 | 4★ |
| 9 | Humana Value Choice (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4.5★ |
| 10 | HumanaChoice H5216-337 (PPO)Humana · PPO58 of 75 counties · drug deductible $520Dental up to $1,000/yr · eyewear $200/yr | $0 | $5,650 | $5,650 | 4★ |
| 11 | DEVOTED CHOICE 001 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $650Dental up to $3,500/yr · eyewear $350/yr · OTC items $252/yr | $0 | $5,700 | $5,700 | Not rated |
| 12 | HealthSpring Preferred (HMO)HealthSpring · HMO12 of 75 counties · drug deductible $500Dental up to $1,900/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 13 | HealthSpring Preferred (HMO)HealthSpring · HMO15 of 75 counties · drug deductible $500Dental up to $1,650/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 14 | AARP Medicare Advantage Essentials from UHC AR-1 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,100 | $6,100 | 3.5★ |
| 15 | AARP Medicare Advantage from UHC AR-0004 (PPO)UnitedHealthcare · PPO74 of 75 counties · drug deductible $685Dental up to $1,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 16 | Aetna Medicare Signature Extra Plus (PPO)Aetna Medicare · PPO4 of 75 counties · drug deductible $600Dental up to $1,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,500 | $6,500 | 4★ |
| 17 | AARP Medicare Advantage from UHC AR-0002 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Dental up to $2,500/yr · eyewear $125/yr · hearing aids $700/yr | $49 | $6,100 | $6,688 | 3.5★ |
| 18 | Aetna Medicare Elite (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $680/yr | $0 | $6,750 | $6,750 | 4★ |
| 19 | Aetna Medicare Elite Classic (PPO)Aetna Medicare · PPO21 of 75 counties · drug deductible $600Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $540/yr | $0 | $6,750 | $6,750 | 4★ |
| 20 | Aetna Medicare Signature (HMO-POS)Aetna Medicare · HMO-POS13 of 75 counties · drug deductible $400Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $300/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 21 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO3 of 75 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 22 | Aetna Medicare Signature Plus (HMO)Aetna Medicare · HMO32 of 75 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 23 | DEVOTED CHOICE GIVEBACK EXTRAS 012 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $796/yr | $0−$70 Part B giveback | $7,600 | $6,760 | Not rated |
| 24 | Humana Essentials Plus Giveback (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $93/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$93 Part B giveback | $7,925 | $6,809 | 4.5★ |
| 25 | HumanaChoice Giveback H5216-264 (PPO)Humana · PPO65 of 75 counties · drug deductible $700Part B giveback $91/mo · Dental up to $2,000/yr · eyewear $100/yr | $0−$91 Part B giveback | $7,925 | $6,833 | 4★ |
| 26 | Humana Gold Plus H5619-069 (HMO-POS)Humana · HMO-POS8 of 75 counties · drug deductible $700Dental up to $750/yr · eyewear $250/yr | $28 | $6,750 | $7,086 | 4★ |
| 27 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS52 of 75 counties · drug deductible $700Dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,100 | $7,100 | 3★ |
| 28 | AARP Medicare Advantage Extras from UHC AR-7 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Dental up to $2,500/yr · eyewear $75/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 29 | BlueMedicare Classic Plus (HMO)Arkansas Blue Medicare · HMO23 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3★ |
| 30 | BlueMedicare Premier (HMO)Arkansas Blue Medicare · HMO30 of 75 counties · drug deductible $560Dental up to $3,000/yr · eyewear $150/yr · hearing aids $333/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 2.5★ |
| 31 | HumanaChoice H5216-083 (PPO)Humana · PPO53 of 75 counties · drug deductible $700Dental up to $1,750/yr · eyewear $200/yr | $59 | $6,900 | $7,608 | 4★ |
| 32 | DEVOTED CHOICE GIVEBACK 002 AR (PPO)Devoted Health · PPO40 of 75 counties · drug deductible $461Part B giveback $164.50/mo · Dental up to $250/yr · eyewear $200/yr | $0−$164.50 Part B giveback | $9,850 | $7,876 | Not rated |
| 33 | Essence Advantage Choice (PPO)Essence Healthcare · PPO10 of 75 counties · drug deductible $700Dental up to $400/yr · eyewear $175/yr · hearing aids $500/yr | $0 | $8,200 | $8,200 | 4★ |
| 34 | Aetna Medicare Signature Classic Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 35 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO9 of 75 counties · drug deductible $600Part B giveback $68/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$68 Part B giveback | $9,250 | $8,434 | 4★ |
| 36 | BlueMedicare Preferred (PFFS)Arkansas Blue Medicare · PFFS39 of 75 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · OTC items $100/yr | $78 | $7,500 | $8,436 | 3★ |
| 37 | HealthSpring True Choice (PPO)HealthSpring · PPO12 of 75 counties · drug deductible $700Dental up to $600/yr · eyewear $100/yr | $0 | $9,000 | $9,000 | 3★ |
| 38 | HealthSpring True Choice (PPO)HealthSpring · PPO16 of 75 counties · drug deductible $700Dental up to $500/yr · eyewear $125/yr | $0 | $9,000 | $9,000 | 3★ |
| 39 | AARP Medicare Advantage Giveback from UHC AR-3 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 counties · drug deductible $685Part B giveback $67/mo · Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0−$67 Part B giveback | $9,850 | $9,046 | 3.5★ |
| 40 | HumanaChoice R1532-002 (Regional PPO)Humana · Regional PPOAll 75 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr | $119 | $7,700 | $9,128 | 3.5★ |
| 41 | Aetna Medicare Signature Classic Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
| 42 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO39 of 75 counties · drug deductible $600Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,250 | $9,250 | 4★ |
| 43 | HealthSpring True Choice (PPO)HealthSpring · PPO15 of 75 counties · drug deductible $700Dental up to $500/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 3★ |
| 44 | HumanaChoice H7617-007 (PPO)Humana · PPO8 of 75 counties · drug deductible $700Dental · eyewear $100/yr | $60 | $9,250 | $9,970 | 4.5★ |
| 45 | HumanaChoice H5216-097 (PPO)Humana · PPO1 of 75 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr | $85 | $9,100 | $10,120 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (PPO)Humana · PPO72 of 75 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4★ |
| 2 | Humana USAA Honor Giveback (PPO)Humana · PPO71 of 75 countiesPart B giveback $150/mo · Dental up to $1,500/yr · eyewear $200/yr | $0−$150 Part B giveback | $4,700 | $2,900 | 4.5★ |
| 3 | HealthSpring Courage (HMO)HealthSpring · HMO43 of 75 countiesPart B giveback $115/mo · Dental up to $1,000/yr · eyewear $200/yr · OTC items $200/yr | $0−$115 Part B giveback | $4,500 | $3,120 | 3.5★ |
| 4 | AARP Medicare Advantage Patriot No Rx AR-MA01 (HMO-POS)UnitedHealthcare · HMO-POS74 of 75 countiesPart B giveback $185/mo · Dental up to $5,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$185 Part B giveback | $6,700 | $4,480 | 3.5★ |
| 5 | Humana USAA Honor Giveback (Regional PPO)Humana · Regional PPOAll 75 countiesPart B giveback $37/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$37 Part B giveback | $5,500 | $5,056 | 3.5★ |
| 6 | Aetna Medicare Eagle Classic Giveback (PPO)Aetna Medicare · PPO39 of 75 countiesPart B giveback $100/mo · Dental up to $4,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $600/yr | $0−$100 Part B giveback | $7,900 | $6,700 | 4★ |
| 7 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPO39 of 75 countiesPart B giveback $100/mo · Dental up to $4,000/yr · eyewear $300/yr · hearing aids $500/yr per ear · OTC items $600/yr | $0−$100 Part B giveback | $7,900 | $6,700 | 4★ |
| 8 | BlueMedicare Value (PFFS)Arkansas Blue Medicare · PFFS39 of 75 countiesDental up to $3,000/yr · eyewear $100/yr · OTC items $100/yr | $39 | $7,500 | $7,968 | 3★ |
| 9 | Humana Gold Choice H8145-126 (PFFS)Humana · PFFS38 of 75 countiesDental up to $1,750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
County pages
Benton County · Craighead County · Faulkner County · Garland County · Pulaski County · Saline County · Sebastian County · Washington County
Questions
How many Medicare Advantage plans are available in Arkansas for 2027?
CMS lists 45 general-audience Medicare Advantage plans with drug coverage in Arkansas for 2027, from 9 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Arkansas?
Yes. 37 of the 45 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Arkansas Medicare Advantage plan has the lowest worst-case cost?
Essence Advantage (HMO) from Essence Healthcare: $0 a month with an in-network out-of-pocket maximum of $4,000, so at most about $4,000 in premiums and in-network costs for the year. It is offered in 17 of 75 counties.
Which Arkansas Medicare Advantage plans have 4 or more stars?
20 of the 45 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Arkansas Medicare Advantage plans have a Part B giveback?
9 of the 45 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $164.50 a month, from DEVOTED CHOICE GIVEBACK 002 AR (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Arkansas?
The median in-network out-of-pocket maximum among these plans is $6,750. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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