Head-to-head, from CMS Plan Year 2026 data.
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Ohio is the cheaper of the two: a 40-year-old pays about $625/month for the median Silver plan, versus $828 — a difference of $203/month (32%) before subsidies.
| Ohio | Arkansas | |
|---|---|---|
| Median Silver @40 | $625 | $828 |
| Cheapest Silver @40 | $482 | $753 |
| Most expensive county @40 | $924 | $879 |
| Age 27 | $395 | $617 |
| Age 60 | $1,023 | $1,599 |
| Carriers | 11 | 4 |
| Counties | 88 | 75 |
| 1-carrier counties | 0 | 0 |
| Plan types | HMO | POS, PPO |
Network note: Ohio has no PPO plans in 2026 while Arkansas does. If you work across county or state lines that difference matters more than the premium gap.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Ohio or Arkansas. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
An Ohio-to-Arkansas move triggers a 60-day special enrollment period, so the 4 carriers filing in Arkansas are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Coverage does not port across the state line. Ending in Ohio and starting in Arkansas is two separate transactions, and the plan you end up with in Arkansas is priced on its own county, not on what you paid before.
There is no overlap to lean on: none of Ohio’s 11 carriers file in Arkansas, where 4 other insurers write instead. Changing state means changing company.
The plan types do not match up. PPOs cover all 75 counties in Arkansas and zero of the 88 in Ohio. Since the PPO is the one type that reliably pays out of network, moving into Ohio narrows where you can be seen rather than just changing what you pay.
You cannot carry one plan in Ohio and a second in Arkansas. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Picking between Ohio and Arkansas on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.