If you live in Arkansas and need affordable health coverage, Medicaid could be the answer. Arkansas offers several Medicaid programs covering adults, children, pregnant women, seniors, and people with disabilities. The application process is straightforward, and you can apply online, by phone, in person, or by mail. This guide walks you through everything you need to know about how to apply for Medicaid in Arkansas, including who qualifies, what income limits apply, and exactly how to submit your application.
Not sure if you qualify? Use our free benefits screener to check your eligibility for Medicaid and other programs in just a few minutes. You can also visit our Arkansas Benefits Overview page for a complete look at all available programs in the state.
Who Qualifies for Medicaid in Arkansas?
Arkansas expanded Medicaid under the Affordable Care Act through a program called ARHOME (Arkansas Health and Opportunity for Me). This means low-income adults ages 19 to 64 can qualify for coverage even if they do not have children. In addition to ARHOME, Arkansas offers several other Medicaid programs:
- ARHOME for adults ages 19 to 64
- ARKids First (A and B) for children under 19
- Pregnancy Medicaid for pregnant women
- SSI Medicaid for seniors 65 and older, and people who are blind or disabled
- Long-Term Care Medicaid for nursing home and home-based care
Each program has its own income limits, but the application process is the same for all of them. When you apply, the Arkansas Department of Human Services (DHS) will determine which program you qualify for based on your information.
Arkansas Medicaid Income Limits for 2026
Income limits for Medicaid in Arkansas are based on percentages of the Federal Poverty Level (FPL). For adults, children, and pregnant women, limits are updated each April when new FPL guidelines take effect. The 2026 FPL for one person is $15,960 per year.
ARHOME (Adults 19 to 64) at 138% FPL
| Household Size | Monthly Income Limit | Annual Income Limit |
|---|---|---|
| 1 | $1,836 | $22,032 |
| 2 | $2,489 | $29,868 |
| 3 | $3,142 | $37,704 |
| 4 | $3,795 | $45,540 |
| 5 | $4,448 | $53,376 |
| 6 | $5,101 | $61,212 |
These updated limits take effect April 1, 2026. Applications submitted before April 1 use the 2025 limits, which are slightly lower.
No asset limits apply for ARHOME. You do not need to report savings, vehicles, or property.
ARKids First (Children Under 19)
ARKids has two tiers:
- ARKids A (up to 142% FPL): Free coverage with no copays
- ARKids B (142% to 211% FPL): Low-cost coverage with small copays
| Household Size | ARKids A (Free) | ARKids B (Low Cost) |
|---|---|---|
| 1 | $1,889/month | $2,807/month |
| 2 | $2,561/month | $3,806/month |
| 3 | $3,233/month | $4,804/month |
| 4 | $3,905/month | $5,803/month |
Limits shown are the April 2026 amounts. No asset limits apply for children.
Pregnancy Medicaid (Up to 209% FPL)
Pregnant women in Arkansas qualify with higher income limits. The unborn child counts as a household member, so a single pregnant woman counts as a household of two.
| Household Size | Monthly Income Limit (April 2026) |
|---|---|
| 2 (mother plus baby) | $3,769 |
| 3 | $4,758 |
| 4 | $5,746 |
Pregnancy Medicaid covers prenatal care, labor and delivery, prescriptions, and postpartum care for 12 months after delivery.
Seniors and People with Disabilities (SSI Medicaid)
| Category | Individual Limit | Couple Limit | Asset Limit |
|---|---|---|---|
| SSI / Full Medicaid | $994/month | $1,491/month | $2,000 / $3,000 |
| Long-Term Care | $2,982/month | N/A | $2,000 |
These SSI-related limits are already active as of January 1, 2026.
How to Apply for Medicaid in Arkansas: Step by Step
You have four ways to apply for Medicaid in Arkansas. No matter which method you choose, you will fill out the same application.
Step 1: Gather Your Documents
Before starting your application, collect the following:
- Proof of identity: Driver's license, state ID, passport, or birth certificate
- Social Security numbers for everyone in your household
- Proof of income: Pay stubs, tax returns, Social Security award letters, or a statement if you have no income
- Proof of Arkansas residency: Utility bill, lease agreement, or mail with your Arkansas address
- Immigration documents (if applicable): Green card, work permit, or other immigration status documentation
- Proof of pregnancy (if applying for Pregnancy Medicaid): A note from your doctor or clinic
Step 2: Choose Your Application Method
Option 1: Apply Online (Recommended)
The fastest way to apply is through the Access Arkansas portal:
- Go to access.arkansas.gov
- Create an account or log in
- Select "Apply for Benefits"
- Complete the application, which asks about your household, income, and other details
- Upload or submit your supporting documents
- Review and submit
The online portal is available 24/7, and you can save your progress and return later.
Option 2: Apply by Phone
Call the DHS hotline at 1-855-372-1084 (Monday through Friday). A representative will help you complete your application over the phone.
Option 3: Apply in Person
Visit your local DHS county office. You can find your nearest office at humanservices.arkansas.gov. Bring your documents with you, and a caseworker will assist you with the application.
Option 4: Apply by Mail
Download a paper application from the DHS website or request one by phone. Complete it, attach copies of your documents, and mail it to your local DHS county office.
Step 3: Complete the Interview (If Required)
Some applicants may need to complete a phone or in-person interview. DHS will contact you to schedule this if it is needed. Be ready to answer questions about your household, income, and living situation.
Step 4: Wait for a Decision
Arkansas DHS must process your application within 45 days (90 days for disability-based applications). You will receive a notice by mail telling you whether you are approved or denied. If approved, your coverage details and Medicaid card information will be included.
Step 5: Activate and Use Your Coverage
Once approved, you can begin using your Medicaid benefits right away. ARHOME members will need to choose a health plan. ARKids and traditional Medicaid members can visit any provider who accepts Arkansas Medicaid.
What Medicaid Covers in Arkansas
Arkansas Medicaid provides comprehensive health coverage, including:
- Doctor visits and specialist care
- Hospital stays (inpatient and outpatient)
- Prescription medications
- Lab tests and X-rays
- Mental health and substance abuse treatment
- Preventive care and screenings
- Emergency room services
- Vision and dental care (varies by program)
- Transportation to medical appointments
ARHOME members receive coverage through private health insurance plans on the marketplace, paid for by Medicaid. This is sometimes called the "private option" model.
Tips for a Successful Application
- Apply as soon as possible. Medicaid coverage can be retroactive up to three months before your application date if you were eligible during that time.
- Report income accurately. Arkansas uses Modified Adjusted Gross Income (MAGI) for most applicants. Include wages, self-employment income, Social Security benefits, and other taxable income. Do not include SNAP, WIC, or tax refunds.
- Respond to all DHS requests quickly. If DHS asks for additional documents or information, respond promptly to avoid delays or denial.
- Check your application status online. Log into your Access Arkansas account to track your application progress.
- Apply for your children separately if needed. Even if you do not qualify for ARHOME, your children may qualify for ARKids First.
What to Do If You Are Denied
If your application is denied, you have the right to appeal. Your denial letter will include instructions on how to request a hearing. You typically have 30 days from the date of the notice to file an appeal. During the appeals process, you can present additional documentation or explain your situation.
If your income is too high for Medicaid, you may qualify for subsidized health insurance through the ACA Marketplace at healthcare.gov. Use our benefits screener to check what other programs you might be eligible for.
Upcoming Changes: Work Requirements
Starting January 1, 2027, federal legislation will require ARHOME (Medicaid expansion) beneficiaries to complete 80 hours per month of work, education, job training, or community service to maintain coverage. Exemptions are expected for certain groups such as pregnant women, people with disabilities, and caregivers. More details will be announced as the implementation date approaches.
Frequently Asked Questions
How long does it take to get approved for Medicaid in Arkansas?
Arkansas DHS typically processes applications within 45 days. Disability-based applications may take up to 90 days. Applying online through Access Arkansas is usually the fastest method.
Can I apply for Medicaid if I am undocumented?
Undocumented immigrants generally do not qualify for full Medicaid in Arkansas. However, emergency Medicaid is available for emergency medical conditions regardless of immigration status. Lawfully present immigrants may qualify depending on their status and how long they have been in the United States.
Is there an asset limit for Arkansas Medicaid?
For adults under 65, children, and pregnant women, there is no asset limit. You do not need to report savings, cars, or property. Asset limits only apply to seniors and people with disabilities ($2,000 for individuals, $3,000 for couples).
Can I apply for Medicaid and SNAP at the same time?
Yes. The Access Arkansas online portal allows you to apply for multiple programs, including Medicaid and SNAP (food assistance), on a single application.
What is the difference between ARHOME and traditional Medicaid?
ARHOME is Arkansas's version of Medicaid expansion for adults ages 19 to 64. Instead of traditional Medicaid, ARHOME members receive coverage through private insurance plans on the marketplace, funded by Medicaid. Traditional Medicaid covers seniors, people with disabilities, and certain other groups directly through the state program.
Does Medicaid in Arkansas cover dental and vision?
Coverage varies by program. ARKids includes dental and vision. ARHOME provides some dental benefits, and adult dental coverage may be limited compared to children's coverage. Check with your specific plan for details.
How do I renew my Arkansas Medicaid?
Medicaid must be renewed once per year. DHS will send you a renewal notice before your coverage expires. You can renew online at Access Arkansas, by phone, or by mail. Some renewals are completed automatically (ex parte) if DHS can verify your eligibility using available data.
Applying for Medicaid in Arkansas does not have to be complicated. Start by checking your eligibility with our free screener tool, gather your documents, and submit your application through Access Arkansas. If you have questions, call DHS at 1-855-372-1084 for help. Thousands of Arkansans receive quality health coverage through Medicaid every year, and you could be next.
