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How Does COBRA Insurance Work In Arkansas?

In Arkansas, the COBRA insurance law requires employers with 20 or more employees to offer continuing group health insurance coverage to employees who lose their jobs. Eligible employees can continue their coverage for up to 18 months by paying the full premium, including the portion previously paid by the employer.

Employees of businesses with 19 or fewer employees are entitled to 120 of continuing coverage.

COBRA Eligibility

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Continuing Health Insurance Coverage In Arkansas

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Nearing Retirement Age

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Arkansas Mini-COBRA Law

Arkansas’ COBRA insurance law requires certain employers to offer employees who lose their jobs the option to continue their group health insurance coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA) for a limited period of time. The law applies to employers with 20 or more employees and the employee must have been covered by the employer’s health plan at the time of job loss to be eligible for COBRA coverage.

The state has also implemented a mini-COBRA program (where the employer has 19 or fewer workers) that allows employees who have lost their group health coverage due to certain qualifying events, such as termination or reduction of hours, to continue their coverage for a period of 120 days. This program provides eligible individuals with the opportunity to maintain their existing health insurance, rather than losing it completely or having to find a new policy in the individual market.

The mini-COBRA program helps to bridge the gap for employees who are transitioning to a new job or a new insurance plan and provides peace of mind during what can often be a stressful and uncertain time.

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Health Insurance For Pre-Existing Conditions In Arkansas

If you frequently see a physician or take prescription drugs, it is wise to maintain your workplace health insurance in Arkansas. The insurance plan you had before will remain unchanged and you won’t need to restart your deductibles. Continuity of coverage is guaranteed as the plan will resume from the date it ended.

Marketplace / Obamacare

Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

In 2023, the average ACA health plan premium in Arkansas is $411/month per individual, according to the Kaiser Family Foundation.

You May Qualify For A Subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party.

The premium will be $400 – 700 / month, per insured person.

Short-Term Health Insurance For Those In Good Health

In Arkansas, private short-term health insurance can provide a valuable option for bridging insurance gaps. These plans provide significant coverage for any new illnesses or accidents that may occur, giving you peace of mind and protection against unexpected medical events.

Short Term Medical Insurance: New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you
access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.


After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available In All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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