Mississippi Marketplace Plans 2027: How to Choose | Thrive

Mississippi · Open enrollment Nov 1 – Jan 15

Mississippi Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 8, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Mississippi had 5 Marketplace insurers and 48 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Mississippi insurers filed increases of about 18% to 33% before tax credits. Compare again even if you like your plan.

Find my Mississippi planFree. See your price after tax credits.

What's changing in the Mississippi Marketplace for 2027?

  1. Cigna exits individual plans in every state after 2026. Mississippi's insurance commissioner says Molina is leaving the Marketplace too. Members of either must choose a new insurer.

  2. Average increases on file with the state run from 18.2% at Ambetter to 32.6% at Oscar, before tax credits. UnitedHealthcare filed 20.8%.

  3. The extra tax credits ended after 2025. Above 400% of the federal poverty level, you generally pay a plan's full price.

  4. Ambetter sold in all 82 counties in 2026. UnitedHealthcare and Oscar did not, so about a dozen counties may be left with Ambetter alone.

Mississippi State Capitol lit up at dusk in downtown Jackson

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

  1. Lowest monthly price, from $563 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 2 Bronze plans work with a health savings account (HSA).

  2. Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $598 at age 40; typical deductible $5,950 before those savings.

  3. Higher monthly price, from $812 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Mississippi 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 0 catastrophic plans for people under 30.
MetalPlansFrom, age 40Typical deductibleDeductible range
BronzePlans18From, age 40$563Typical deductible$7,500Deductible range$0–$10,600
SilverPlans16From, age 40$598Typical deductible$5,950Deductible range$0–$6,500
GoldPlans14From, age 40$812Typical deductible$2,000Deductible range$0–$2,000

Which insurers sell Marketplace plans in Mississippi?

5 insurers sold Mississippi Marketplace plans in 2026, and 3 are expected for 2027. Not every insurer sells in every county, so your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. Cigna and Molina leave after 2026. Mississippi's Insurance Department files individual rates rather than approving them; figures are as filed on August 21, 2026.
InsurerCounties (2026)Plans (2026)Plan typesFrom (age 40)CMS rating (2026)2027 change
UnitedHealthcareCounties (2026)69 of 82Plans (2026)15Plan typesHMOFrom (age 40)$563CMS rating (2026)2 of 52027 change+20.8% proposed
AmbetterCounties (2026)82 of 82Plans (2026)14Plan typesHMOFrom (age 40)$605CMS rating (2026)3 of 52027 change+18.2% proposed
CignaCounties (2026)41 of 82Plans (2026)10Plan typesEPOFrom (age 40)$565CMS rating (2026)2 of 52027 changeLeaving after 2026
OscarCounties (2026)11 of 82Plans (2026)7Plan typesHMOFrom (age 40)$577CMS rating (2026)Not yet rated2027 change+32.6% proposed
MolinaCounties (2026)82 of 82Plans (2026)2Plan typesHMOFrom (age 40)$809CMS rating (2026)2 of 52027 changeLeaving after 2026

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Mississippi plan

What do people ask about Mississippi Marketplace plans?

  1. Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

  2. Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

  3. 48 of Mississippi's 48 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

  4. Compare before you let it renew. Mississippi insurers filed 2027 increases of about 18% to 33% before tax credits, and your plan or its network may change. Your new tax credit can change too.

  5. Mississippi hasn't expanded Medicaid. Adults under 65 without children or a disability don't qualify at any income, and parents qualify only at very low income. Apply at medicaid.ms.gov or through HealthCare.gov.

  6. On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

  7. No. It sells individual plans only off the Marketplace, so tax credits can't be used with them. Plans you can buy with credits come from Ambetter, UnitedHealthcare and Oscar.

  8. Marketplace tax credits start at 100% of the poverty level. Mississippi hasn't expanded Medicaid, so many adults under that line fall in a coverage gap. Check Medicaid rules first.

  9. Not automatically. A new insurer has its own network. Look up your doctors and hospital in each plan's directory before you pick, and ask your doctor's office which plans it takes.

Where these numbers come from

  • 2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
  • Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.