Consumer Protection

For questions related to the information below, or questions related to enrollment in the Health Insurance Marketplace, please contact the Consumer Services Division at 1-855-283-3483.

Here’s a list of ways you can protect your personal information, appeal a Marketplace decision or appeal an insurance decision.

Personal Information

When you enroll in health insurance, you will have to provide some personal information. Below are a few tips to help you keep your personal information safe.

  • Don’t give any personal information to anyone without official identification. All licensed Regulatory Health Link guides, agents, brokers and navigators have the proper ID, and by law they are not permitted to share any of your information.
  • If you created a Marketplace account at HealthCare.gov, protect it.
  • There’s no need to give out your Social Security number except when you’re enrolling. Unless you’re completing the application, keep it to yourself.
  • To get an estimate of what insurance might cost you, only provide the minimum amount of demographic personal information necessary (like your household income and the number of people in your family, never your Social Security number).
  • Click here for a complete list of licensed guides, agents, and brokers.

Marketplace Appeals

If you don’t agree with a decision made by the Health Insurance Marketplace, you may be able to file an appeal. Below are examples of the kinds of Marketplace decisions you can appeal.

  • Whether you’re eligible to buy a Marketplace plan
  • Whether you can enroll in a Marketplace plan outside the regular open enrollment period
  • Whether you’re eligible for lower costs based on your income
  • The amount of savings you’re eligible for
  • Whether you’re eligible for Medicaid or ARKids 1st
  • Whether you are eligible for an exemption from the individual responsibility requirement

Learn more about appealing a Marketplace decision.

Insurance Claims Appeals

If your health insurance carrier has denied a claim for benefits or has cancelled your policy, you may appeal that decision with your carrier. Information regarding the appeals process with your carrier will be included with a denial letter or your explanation of benefits (EOB).

If no resolution is reached you may also file a complaint against the carrier with the Consumer Services Division of the Arkansas Insurance Department. You can file a complaint online by filling out an electronic complaint form or you may download a complaint form from the Arkansas Insurance Department Consumer Services Division website.

If you have exhausted the internal appeal process with your carrier, you may also be eligible for an external review by a third party. For information on filing an external review and to download the external review form, please visit our external review FAQ page

Regulatory Health Link Division
501-683-4170
1 Commerce Way
Little Rock, AR 72202

Email: insurance.rhld@arkansas.gov