HA Platinum Standardized
Starting at
$913
/month before subsidy
HA Platinum Standardized is a 2026 Platinum POS health insurance plan from Health Advantage, sold on the ACA Marketplace in Arkansas under plan ID 13262AR0230011. The monthly premium starts at $913 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $0, and the individual out-of-pocket maximum is $5,200 ($10,400 for a family). After the deductible, coinsurance is 0% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 13262AR0230011
- Plan year
- 2026
- State
- Arkansas
- Metal level
- Platinum
- Plan type
- POS
- HSA-eligible
- No
Individual Deductible
$0
Family: $0
Out-of-Pocket Max
$5,200
Family: $10,400
Coinsurance
0%
You pay after deductible
Network Type
POS
ARN001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Not rated
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$20
your estimated cost
- Deductible
- $0
- Copays
- $20
- Coinsurance
- $0
Managing type 2 diabetes
A year of routine care
$460
your estimated cost
- Deductible
- $0
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$200
your estimated cost
- Deductible
- $0
- Copays
- $200
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Platinum POS plan is designed for people who use healthcare frequently and want predictable costs when they visit the doctor.
Consider this plan if you:
- Have ongoing health conditions requiring regular care
- Take multiple prescription medications
- Prefer lower costs at the time of service
- Want peace of mind with comprehensive coverage
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,346/month
Annual Premium
$10,956
OOP Maximum
$5,200
💡 What this means:
With a $0 deductible, you pay 100% of costs until you've spent that much. After that, you pay 0% (coinsurance) until you hit $5,200 total. Then insurance covers everything else for the year.
More plans from Health Advantage in Arkansas
Frequently asked questions about HA Platinum Standardized
How much does HA Platinum Standardized cost per month?
HA Platinum Standardized from Health Advantage starts at $913 per month before any subsidy in Arkansas. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for HA Platinum Standardized?
The individual medical deductible is $0. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for HA Platinum Standardized?
The most you would pay in a year for covered in-network care is $5,200 for an individual and $10,400 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is HA Platinum Standardized HSA-eligible?
No. HA Platinum Standardized is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does HA Platinum Standardized use?
HA Platinum Standardized is a POS plan. POS plans blend HMO and PPO features: you pick a primary care provider and can go out of network at a higher cost.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.