2022 Affordable Health Insurance Plans in Mississippi

There are currently two health insurance providers in Mississippi, making it somewhat difficult for residents to shop for affordable plans. Mississippi residents can enroll in individual and family health insurance plans through the federal exchange.

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How to Buy Health Insurance in 2022

Some Mississippi residents may already receive health insurance through an employer or through the federal government. For those who do not, there are two private insurance companies that offer health plans through the federal exchange. Health insurance in Mississippi is offered in three tiers: Bronze, Silver, and Gold.

How to Apply for Health Insurance in Mississippi

Open enrollment for health insurance plans in Mississippi begins on November 1, 2022. Health insurance plans in Mississippi are available to residents via the federal exchange. 

Health Insurance Carriers In Mississippi

There are three health insurance carriers in Mississippi: Magnolia/Ambetter/Centene, Molina, and Cigna.

Mississippi Health Insurance Costs Overview

The cost of health insurance in Mississippi will depend on many factors, including the carrier you choose, the tier of package you need, and other factors, including where you live and your general health status. The following premiums are calculated for the average 40-year-old.

How Much Does Health Insurance Cost in Mississippi?

According to the KFF, the average monthly premium for a 40-year-old resident of Mississippi is $448.

What is the Cheapest Health Insurance Plan in Mississippi?

Premiums for the forthcoming year in Mississippi are set by an insurer and approved by the federal health insurance exchange. Health insurance plan costs depend on your individual needs and preferences.

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Cheapest Mississippi Health Insurance Coverage by Metal Tier

Note that all costs are 2022 pricing from KFF. (source)

Gold Plans

The average lowest cost premium of a Gold Plan in Mississippi in 2022 was $573. 

Silver Plans

The average lowest cost premium of a Silver Plan in Mississippi in 2022 was $448.

Bronze Plans

For a Bronze plan, the average lowest premium in 2022 was $408

Other Types of Mississippi Health Insurance Coverage

Catastrophic Health Insurance in Mississippi

Catastrophic health insurance is not offered in Mississippi.

Short Term Health Insurance in Mississippi

In Mississippi, short-term health insurance coverage can be a health insurance option for those who missed the open enrollment period or recently lost employer sponsored coverage. Mississippi residents can enroll in a short-term plan for up to 364 days and renew the same plan for up to 36 months.

Low Income Health Insurance in Mississippi

Medicaid is available for low-income individuals in the state. However, Mississippi did not expand Medicaid through the Affordable Care Act, so Medicaid is currently only available to adults with dependent children who have an income 23% or less than the federal poverty level. In addition, pregnant women are eligible for Medicaid if they have a household income of up to 194% of the poverty level.

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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D 

Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D