Arkansas Medical Insurance is an independent insurance agency website operated by Lander LLC. It is not a government website and is not affiliated with the State of Arkansas, any state agency, or the federal government.
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Fort Smith, Arkansas: health insurance

Fort Smith is in Sebastian County. Here is what Fort Smith residents should know about coverage.

Coverage in Fort Smith

Fort Smith has about 89,770 residents (U.S. Census Bureau 2023 estimate).

Plans for Fort Smith residents are determined by Sebastian County, home to about 129,098 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Sebastian County before you choose it.

  • Turning 65 in Fort Smith? Your Initial Enrollment Period runs seven months around your birthday. Arkansas SHIIP (Senior Health Insurance Information Program) offers free counseling at 1-800-224-6330.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace, Arkansas state-based exchange oversight).
  • Medicaid questions? Arkansas Department of Human Services (DHS) -- ARHOME handles applications.

Arkansas note: Arkansas and Oklahoma are the only two states that run their own state-based marketplace while still using HealthCare.gov's federal technology to enroll people -- a hybrid setup that puts plan approval and rate review in the Arkansas Insurance Department's hands even though the enrollment website itself is federal.

Colleges and universities near Fort Smith

Arkansas public institutions include University of Arkansas, Arkansas State University, University of Arkansas for Medical Sciences. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Arkansas colleges.

Do Fort Smith and Sebastian County have the same plans?

Plans are offered by service area, and Fort Smith falls under Sebastian County. A plan that serves Sebastian County is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

Fort Smith residents: call 855-367-1095

Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.

Call 855-367-1095

Other major Arkansas cities

Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Arkansas plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Open enrollment starts November 1st. Not sure which Arkansas plan is right for you? Call and we'll help you find it.

Call for assistance finding the right plan855-367-1095
Short-term · TriTerm

Need coverage in between?

Short-term and TriTerm plans can start quickly and help with big unexpected medical bills. They are not ACA plans: they can ask health questions, may not cover pre-existing conditions, and what is offered varies by state. See what Arkansas allows.

TriTermCall 855-367-1095

Questions along the way? Call 855-367-1095 for assistance.