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Consumer Guide

Why rates matter to me?

The increase of health insurance rates can affect the cost of your premium. A rate is a base price for health benefits. What are health insurance premiums? A premium is the specific amount you pay as a policyholder. The actual premium you pay may be higher or lower than a rate based on factors such as your age and where you live.

When a company submits a request for a health insurance premium increase at or above the 10% threshold for individual or small employer health plans, consumers may access pending and disposition of rates changes through our website.

You may submit comments here, or email your comments to insurance.hirr@arkansas.gov or mail to: Attn: Health Insurance Premium Rate Review Division, 1200 West Third Street, Little Rock, Arkansas 72201. Consumer comments will be taken into consideration.  

» Click Here to Search Public Filings

» Click Here to learn more about Medical Loss Ratio (MLR) and Rebates

Here’s an overview of AID’s Health Insurance Rate Review Process.

Sample: Summary of Coverage and Benefits

Under the Affordable Care Act, health insurers and employers who offer coverage for their employees must provide clear, consistent information about health plans.


Click here to view the sample template


Helpful links:

Talk to us:

For complaints or questions regarding health insurance premium rate increases, contact the Consumer's Assistance Program at 855-332-2227 or 501-371-2645.

Press releases:



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For complaints or questions regarding health insurance premium rates, contact the Consumer Services Division at 800-852-5494 OR 501-371-2640