Arkansas Medicare Costs 2026: Community-Rated Plan G Prices

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Arkansas filings pulled September 10, 2026, CSG Actuarial · Pulaski County (ZIP 72206)

Arkansas is the one state in our file where every Medigap carrier prices on a community basis: all 23 Plan G filings in Pulaski County charge a 75-year-old exactly what they charge a 65-year-old. The bill with Part B is $367.60 to $533.90 a month, from CSG Actuarial filings pulled September 10, 2026: the $202.90 Part B premium under a Plan G of $164.70 (Bankers Fidelity (Atlantic Capital Life)) to $331.00 (United American).

Same benefits by federal law, $166.30 apart every month, $1,996 a year, $39,912 across twenty years if no one ever files an increase. They do file. 12 carriers took 15% or more on Plan G in 2026, and Humana Insurance Company and AARP / UnitedHealthcare filed twice. With no birthday step in the price, the filing is the only thing that changes an Arkansas premium after you buy.

Carrier-paid brokerage. The filed premium is what you pay with or without us.

Two Bills From the Same Pulaski County Table

Under either policy Medicare still collects the $283 Part B deductible from you, then the plan takes over. Both pay the $1,736 Part A deductible per benefit period. Everything on the Medicare side is identical. The carrier line is the decision.

The bottom three in Pulaski County run Bankers Fidelity (Atlantic Capital Life) $164.70, HealthSpring National Health (HCSC) $169.61 and Qualchoice Life & Hlth Ins Co Inc $188.70. The median filing is $217.86 from AARP / UnitedHealthcare; statewide it is $210.75. Pulaski County's floor ranks 23 of 28 among the flagship counties we publish. Part D is left out of these totals; it depends on the medication list.

Why the 65, 70 and 75 Rows Match

23 of the 23 Pulaski County carriers file the same Plan G at 75 as at 65. Bankers Fidelity (Atlantic Capital Life) is $164.70 at 70 and $164.70 at 75, unchanged. United American is $331.00 and $331.00 at 75, also unchanged. In an attained-age state the bottom line typically climbs 20% to 30% over that decade before any filing. Here it climbs by whatever the carrier files, and nothing else.

Female, non-tobacco, individual, no household discount, ZIP 72206 in Pulaski County; CSG Actuarial filings pulled September 10, 2026. Identical rows across ages are the community rating at work, not a data error.

46 Rating Areas for 75 Counties

Age does not move an Arkansas premium, but the address does. Carriers file 46 rating areas here, close to one per county pair. Bankers Fidelity (Atlantic Capital Life) is $151.10 in Baxter County and $164.70 in Pulaski County; the same carrier's line reaches $169.61 in Woodruff County, a $18.51 spread that is worth $222 a year. Among the 10 key counties below, Benton County is lowest at $151.10 and Lonoke County highest at $164.70. The cheapest Medicare bill in the state, Part B included, is $354.00.

Quoted at the ZIP with the largest land share of each county, same profile as the Pulaski County table.

Plan N at $123.06: What the Discount Buys

Bankers Fidelity (Atlantic Capital Life) files Plan N at $123.06 in Pulaski County, $41.64 under its own Plan G, $500 a year. Plan N asks for up to $20 at some office visits and up to $50 at an emergency room that does not admit you, and it does not pay Part B excess charges, which Arkansas doctors may bill and Plan G covers. 23 carriers file it here, $123.06 to $250.00, so the bill with Part B is $325.96 to $452.90. The statewide Plan N floor is $112.89 in Baxter County. Community rating applies to Plan N too: the rows below do not move with age.

Same ZIP and profile as the Plan G rows.

Household Discounts Run 7.1% to 12.1% Here

5 of the 23 Arkansas carriers file a discount for a second adult in the household, and the band is tight: 7.1% at the bottom, 12.1% at the top. The largest is Humana Insurance Company at 12.1%, which brings $214.82 to $188.83. Bankers Fidelity (Atlantic Capital Life) files none, which is why a couple's best carrier is not always the single applicant's. With discounts applied the lowest line is Humana Insurance Company at $188.83.

The remaining 18 carriers file no discount. Eligibility language is the carrier's own, and a few require both spouses to buy from them; we read it before quoting the net figure.

The 2026 Filing Record: 21 Arkansas Entries

CSG Actuarial recorded 21 Arkansas filings between January 2026 and September 2026; 12 of the 21 with a Plan G figure are 15% or more. Humana Insurance Company leads at +29.0%, effective March 1, 2026. Humana Insurance Company filed +29.0% then +25.0% inside the same window, roughly 61.3% compounded; AARP / UnitedHealthcare filed +25.6% then +13.6% inside the same window, roughly 42.7% compounded. 21 rows match a carrier in the Pulaski County table; the rest carry names that matched nothing and show no paired rate.

CSG Actuarial MedSupp filing records, January 2026 to September 2026. An effective date may sit after the report month. Each row is a block-level change in Arkansas.

On a community-rated block the filing table is the whole rate history, so weigh it as heavily as the opening price. The list for every state we cover is at 2026 Medigap rate increases.

Rating Method, Newest Filings, and Who Holds What

Community rating covers 23 of 23 Pulaski County carriers. 22 of the 23 carry a 2026 effective date on their Pulaski County rate, the most recent being New Era Life on September 1, 2026. The highest Plan G filed anywhere in Arkansas is $331.00, from United American.

The NAIC counted 178,052 Arkansas Medigap policies as of December 2023: Plan G 84,139 (47%), Plan F 51,460, Plan N 10,301. Plan F is closed to anyone who became eligible on or after January 1, 2020, and no Plan F table appears on this page.

Methodology

• Rates are carrier filings pulled from CSG Actuarial on September 10, 2026 and rendered from the Arkansas data file; no figure on the page is typed by hand.
• Profile: female, non-tobacco, individual, no household discount. Net discounted lines apply the filed percentage.
• Pulaski County (ZIP 72206) is the flagship county; key counties are quoted at the ZIP with the largest land overlap, and Baxter County represents the 11-county rating area.
• Spread means highest filing minus lowest, same plan letter, age and county. Twenty-year figures are the monthly spread times 240 with no increases.
• Carrier counts are whoever returned a filed quote for this profile on the pull date; entries, exits and closed blocks move them.
• Direct-to-consumer and guaranteed-issue rate classes are excluded so every line shown is one a broker can place.
• The Part B premium and both deductibles are 2026 CMS figures held in one file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.
• Filing rows are CSG Actuarial records for January 2026 to September 2026; a "No" row matched no quote-table carrier and is never paired with a rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Arkansas and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage unaffiliated with Medicare, CMS or any carrier. Broker pay comes from the carrier; the filed premium does not change.