How Much Is Health Insurance in Mississippi?

On this page

• What a Mississippi Marketplace plan costs before subsidies
• What you’d pay after a tax credit
• Costs beyond the premium
• Mississippi Marketplace facts
• When to enroll
• Other options in Mississippi
• Frequently asked questions

What a Mississippi Marketplace plan costs before subsidies

KFF puts Mississippi’s 2026 benchmark silver plan at $662 a month for a 40-year-old before subsidies, about 6% above the national average. Mississippi uses its own age curve for Marketplace plans instead of the federal default most states use, and it prices children and teens differently from that default. Because prices at some ages, children’s in particular, don’t follow the usual federal multiples, this article doesn’t estimate a Mississippi age table or a family total.

Your actual premium depends on your county, the ages of the people on your plan and which plan you pick. A quote for your ZIP code is the most reliable way to see prices for your household.

What you’d pay after a tax credit

Almost everyone buying a Mississippi Marketplace plan gets help with the premium. The premium tax credit is available from 100% to 400% of the federal poverty level, and it limits what you pay for the benchmark plan to a share of your income. A single 40-year-old earning $40,000 would pay about $287 a month for that plan in 2026, with the credit covering about $375 of the $662 price. In 2027 the same person’s share would be about $289. Income above 400% of the poverty level, $62,600 for one person for 2026 coverage and $63,840 for 2027, means no credit at all.

In 2026, subsidized enrollees paid $94 a month on average, and the average credit was $718. The credits start at 100% of the poverty level, though. Below that, adults usually can’t get one, and because Mississippi hasn’t expanded Medicaid, many of them can’t get Medicaid either. That group falls into what’s called the coverage gap. See health insurance for low-income families.

Costs beyond the premium

Once you’re covered, you’ll pay part of the cost of care through your plan’s deductible, copays and coinsurance. Those costs stop at the out-of-pocket maximum, which is capped at $10,600 for an individual in 2026 and $12,000 in 2027. With income under 250% of the poverty level, a silver plan gets you cost-sharing reductions that shrink those amounts.

Mississippi Marketplace facts

• Marketplace: Mississippi uses HealthCare.gov and doesn’t run an exchange of its own.
• Enrollment: 313,392 Mississippians picked a plan for 2026, about 7% fewer than the 338,159 who did for 2025. About 95% got a premium tax credit or cost-sharing reductions, compared with about 87% nationally.
• Insurers: Five insurers sold 2026 plans: Oscar, Ambetter (Magnolia), Cigna, Molina and UnitedHealthcare. Cigna and Molina are leaving after 2026, so their members will need a new plan for 2027; see is Cigna leaving the Marketplace and what to do if your insurance company leaves the Marketplace.
• 2027 prices: Filed but not approved as of late September 2026. The proposed average comes to 21.1% (ACA Signups) or 21.8% (healthinsurance.org), depending on which filings are counted. The three insurers staying asked for 18.6% (Ambetter), 26% (UnitedHealthcare) and 32.6% (Oscar).
• State help: Mississippi has no premium subsidy of its own, no reinsurance program, no public option and no individual mandate. It does give small employers a state tax credit for offering an ICHRA: $400 per employee in the first year and $200 in the second, with $1 million in funding a year, starting in 2026.
• Medicaid: Mississippi hasn’t expanded Medicaid. Parents and caretaker relatives qualify only with very low income, $498 a month for a family of three as of March 2026, and adults without dependent children aren’t eligible at any income. Children can get Medicaid or CHIP with family income up to 209% of the poverty level, and pregnant women qualify up to 194%. See Medicaid income limits by state.

When to enroll

Open enrollment for 2027 coverage on HealthCare.gov runs from November 1, 2026 to January 15, 2027. Pick a plan by December 15 to have it start January 1, which matters most for Cigna and Molina members, since their plans end with 2026. For ways to lower your bill, see how to lower your Marketplace premium.

Other options in Mississippi

• Health coverage through an employer, including an ICHRA if your employer offers one.
• Medicaid for low-income parents, pregnant women and children, and CHIP for kids; see health insurance for children.
• Medicare at 65.

Health insurance costs in nearby states: Tennessee, Alabama, Louisiana and Arkansas. You can also compare health insurance costs in every state.

See which 2027 plans are sold in your Mississippi county: compare quotes by ZIP code.

Frequently asked questions

Is Cigna leaving Mississippi?

Yes. Cigna is leaving the Mississippi Marketplace after 2026, and Molina is leaving too. Oscar, Ambetter (Magnolia) and UnitedHealthcare remain for 2027.

How much will Mississippi health insurance go up in 2027?

Insurers proposed increases averaging 21.1% to 21.8% before subsidies, depending on the calculation, and they were still awaiting approval as of late September 2026. The tax credit is tied to the benchmark premium, so people who qualify are partly shielded, while people who pay full price feel the whole increase.

Did Mississippi expand Medicaid?

No. Parents qualify only with income up to $498 a month for a family of three, and adults without dependent children can’t get Medicaid at any income, which leaves many low-income adults without Medicaid or a tax credit.

Why doesn’t this article list prices by age for Mississippi?

Mississippi uses its own age curve, which prices children and teens differently from the federal default, so the usual age multiples don’t hold across the board. A quote for your county will show actual prices for your household.

This article is general information, not insurance or tax advice. Your Mississippi premium depends on your county, age, income and plan, and 2027 rates were still proposed when this was written. Last reviewed September 2026.