State profile · AR · CMS + NAIC
Insurance in Arkansas
How health insurers handle claims in Arkansas, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 14.1%
- Avg claims denied
- #28
- denial rank of 31
- $1051
- Avg auto / yr
- +17%
- Auto, 5-yr
- 5
- Insurers w/ data
The verdict
Marketplace insurers in Arkansas deny 14.1% of claims — below the 21% national average, the 28th-highest of 31 states, and drivers pay an average $1051 a year for auto cover, less than the $1191 national average.
- 14.1%
- avg claims denied
- #28
- of 31 states
- $1051
- avg auto / yr
- 18%
- highest (HMO Partners)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Arkansas
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- HMO Partners
HMO Partners, Inc.: 17.9% denied (248,309 of 1,387,835)
17.9 % of claims denied
- USAble Mutual
USAble Mutual Insurance Company: 16.4% denied (974,636 of 5,946,262)
16.4 % of claims denied
- QualChoice Life & Health
QualChoice Life & Health Insurance Company, Inc.: 12.4% denied (247,094 of 1,998,656)
12.4 % of claims denied
- Celtic
Celtic Insurance Company: 12.4% denied (779,924 of 6,312,329)
12.4 % of claims denied
- QCA Health Plan
QCA Health Plan, Inc.: 12.2% denied (240,946 of 1,972,597)
12.2 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Arkansas. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Arkansas, by denial rate
5 insurers reporting marketplace claims in Arkansas
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | HMO Partners, Inc. C | 1,387,835 | |
| 2 | USAble Mutual Insurance Company B | 5,946,262 | |
| 3 | QualChoice Life & Health Insurance Company, Inc. A | 1,998,656 | |
| 4 | Celtic Insurance Company B | 6,312,329 | |
| 5 | QCA Health Plan, Inc. A | 1,972,597 |
Auto insurance in Arkansas
Auto premiums in Arkansas are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $900 average expenditure
$900 avg expenditure
- 2020
2020: $877 average expenditure
$877 avg expenditure
- 2021
2021: $888 average expenditure
$888 avg expenditure
- 2022
2022: $927 average expenditure
$927 avg expenditure
- 2023
2023: $1051 average expenditure
$1,051 avg expenditure
What this shows Arkansas drivers' average auto cost rose 17% between 2019 and 2023.
What the data shows for Arkansas
Arkansas's marketplace insurers denied 14.1% of submitted claims in the CMS data, the 28th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Arkansas pay an average $1051 a year — less than the $1191 national average — split across $538 liability, $466 collision and $292 comprehensive premiums. That figure has moved up 17% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Arkansas can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Arkansas residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Arkansas's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.