Mississippi · Insurer
UnitedHealthcare Marketplace Plans in Mississippi
UnitedHealthcare sold 15 HMO plans in 69 of Mississippi's 82 counties in 2026. Its 2027 increase on file with the state averages 20.8%, down from the 26% it first proposed.
- Member experience not scored; medical care 2 and plan administration 3 of 5. Not rated for 2025.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes UnitedHealthcare different from other Mississippi insurers?
Every UnitedHealthcare plan name carries 'No Referrals,' so you can book a specialist visit without first getting a primary care doctor to sign off.
Copay Focus bronze, silver and gold plans have a $0 individual medical deductible, which suits people who expect regular doctor visits.
Copay Focus, Value and Advantage plans include $0 virtual urgent care. Gold Value has $3 Tier 2 drugs and Gold Copay Focus has $5.
Five '+' plans add dental and vision, from Bronze Standard+ up to Gold Copay Focus+, so you can buy that coverage inside the plan.
Is UnitedHealthcare a good Marketplace option in Mississippi?
UnitedHealthcare is a good fit if you want to see specialists without referrals. It wasn't sold in 13 counties in 2026, including Adams, Alcorn, Lowndes and Yazoo. Check your county.
Who should consider UnitedHealthcare?
- You want to see specialists without referrals
- You expect regular visits and prefer copays over a deductible
- You live in the Jackson, Gulf Coast, Hattiesburg or Tupelo areas it serves
Who should look elsewhere?
- It wasn't sold in 13 counties in 2026, including Adams, Alcorn, Lowndes and Yazoo. Check your county.
- Its 20.8% average increase sits between Ambetter's 18.2% and Oscar's 32.6%. Your own plan's change can differ.
- All plans are HMOs. Confirm your hospital is in the network before you enroll.
Which UnitedHealthcare plans should you look at first?
2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
How much do UnitedHealthcare plans cost in Mississippi?
UnitedHealthcare sold 15 plans in Mississippi for 2026, starting at $563 a month at age 40 before tax credits. Its average proposed change for 2027 is +20.8%.
Which UnitedHealthcare plans were sold in Mississippi in 2026?
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties | Compare |
|---|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$563 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties69 | Compare |
| UHC Bronze Standard (No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$604 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties69 | Compare |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$622 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties69 | Compare |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$629 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties69 | Compare |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$647 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties69 | Compare |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$757 | Deductible$3,500 | OOP max$10,400 | Primary care$20 | Specialist$75 | Generic Rx$10 | HSANo | Counties69 | Compare |
| UHC Silver Standard (No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$769 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties69 | Compare |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$770 | Deductible$0 | OOP max$10,150 | Primary care$10 | Specialist$100 | Generic Rx$10 | HSANo | Counties69 | Compare |
| UHC Silver Advantage + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$775 | Deductible$3,500 | OOP max$10,400 | Primary care$20 | Specialist$75 | Generic Rx$10 | HSANo | Counties69 | Compare |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$788 | Deductible$0 | OOP max$10,150 | Primary care$10 | Specialist$100 | Generic Rx$10 | HSANo | Counties69 | Compare |
| UHC Gold Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | MetalGold | TypeHMO | Premium (age 40)$931 | Deductible$2,000 | OOP max$9,300 | Primary care$10 | Specialist20% after deductible | Generic Rx$3 | HSANo | Counties69 | Compare |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | MetalGold | TypeHMO | Premium (age 40)$939 | Deductible$0 | OOP max$9,300 | Primary care$5 | Specialist$60 | Generic Rx$5 | HSANo | Counties69 | Compare |
| UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | MetalGold | TypeHMO | Premium (age 40)$949 | Deductible$2,000 | OOP max$9,300 | Primary care$10 | Specialist20% after deductible | Generic Rx$3 | HSANo | Counties69 | Compare |
| UHC Gold Standard (No Referrals) | MetalGold | TypeHMO | Premium (age 40)$956 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties69 | Compare |
| UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | MetalGold | TypeHMO | Premium (age 40)$957 | Deductible$0 | OOP max$9,300 | Primary care$5 | Specialist$60 | Generic Rx$5 | HSANo | Counties69 | Compare |
Which other insurers sell Marketplace plans in Mississippi?
Sources
- Mississippi Insurance Department, UnitedHealthcare of Mississippi individual rate record, August 21, 2026
- CMS Rate Review, UnitedHealthcare of Mississippi 2027 individual filing, June 18, 2026
- UnitedHealthcare of Mississippi, 2027 Part II rate justification, June 19, 2026
- healthinsurance.org, Mississippi health insurance marketplace, September 17, 2026
- ACASignups, 2027 rate changes for Mississippi, August 11, 2026
- UnitedHealthcare, 2026 Individual Exchange plan information, November 1, 2025
- CMS Marketplace Quality Rating System, PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Mississippi Marketplace guide and all insurers
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.