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Marketplace America.org Health Insurance

Affordable Health Insurance
Mississippi

Looking to enroll in a health insurance plan or simply get insights on Mississippi’s health insurance landscape?

Breathe easy, because you’ve stumbled upon the perfect spot. Here, we’ve laid out a space for you to explore Marketplace insurance plans, grab a free quote, and start your enrollment process.

Additionally, we’ve illuminated key details: from vital enrollment dates and deadlines, to the best insurance carriers in Mississippi, insights on what you can expect to pay, and more.

To shop and compare the most affordable health insurance options in Mississippi, click the button below:

Smiling family because of affordable health insurance

1 out of 2 people looking for healthcare coverage pay under $30/month!

Mississippi Health Insurance Options

The importance of reliable health insurance coverage in Mississippi cannot be understated. With options that range from short-term health insurance to comprehensive major medical coverage, it’s essential for you to understand and choose the right plan for your needs.

Benefits of a Marketplace Plan (Obamacare)

Marketplace insurance plans, align with the requirements of the Affordable Care Act (ACA), ensuring you receive minimum essential coverage.

With options like ACA-compliant plans and other plans, the Marketplace offers health coverage options tailored for Mississippi residents.

Mississippi Open Enrollment and Financial Savings

The annual open enrollment period is a specific time when you can sign up for healthcare coverage. The dates change each year, but have always started on November 1st.

Man checking the open enrollment dates

Enrollment Periods for 2024 Coverage

Open Enrollment Period: November 1st – January 15th

Special Enrollment Period: January 16th – October 31st

If you miss Open Enrollment, you might have to wait til next year unless you qualify due to certain Qualifying Life Events (QLE).

Let’s look at a few QLE examples:

  • Getting married, having a baby, or adopting a child
  • Losing your healthcare coverage from:
  • your employer, a divorce, or legal separation
  • Moving to a new county or ZIP code
  • Plus more! See the complete list.

On average, people are paying
$60/month in Mississippi. [1]

Financial Assistance (Affordable Care Act)

  • Premium Tax Credits or Premium Subsidies: Financial payments to you in the form of a tax credit are available for those who qualify based on household income and family size, making it easier to find affordable health insurance. In effect, premium subsidies decrease the monthly amount you pay for your health care coverage.
  • Cost-Sharing Reductions: Offers savings on out-of-pocket costs, like doctor visits or prescriptions on Silver plans found in the Marketplace.

Shop the Marketplace and discover how you can benefit from financial assistance options! Everyone deserves to be able to find affordable health insurance.

To shop, compare plans and see how much financial savings you qualify for in Mississippi

Essential Health Benefits & Affordable Care Act

Every insurance plan under the Affordable Care Act offers essential health benefits such as hospital visits, prescription drugs, preventive care, x-rays, and doctor office visits.

  • Affordable Care Act plans ensure that no one is denied insurance based on preexisting conditions.

Exploring Health Coverage Options in Mississippi

  • Health Plans with Essential Health Benefits: All-inclusive plans covering doctor visits, prescription drugs, hospital visits, and other critical services. Plus, regardless of your preexisting conditions, you can secure coverage through the Marketplace.
  • Short-Term Plans: These short-term health insurance plans generally have limited benefits and limited coverage since they typically do not cover preexisting conditions. As the name implies, short-term health insurance offers coverage for shorter periods, typically less than 12 months, and often has lower premiums.
  • Major Medical Plans: Comprehensive plans covering a range of health services. It’s your traditional health coverage offering maximum protection. Typically, offered through your employer.

Additional Coverage Options

  • Dental insurance: Helps offset the costs of oral care procedures and check-ups.
  • Vision Insurance: Crucial for those requiring regular eye check-ups or have vision issues.
  • Accident Insurance: Provides cash benefits in the case of an accident, helping cover unforeseen costs.
  • Critical Illness: Offers financial benefits if you’re doctor diagnoses you with a specified illness.

Choosing the Right Health Insurance Company

  • Blue Cross Blue Shield Mississippi, United Healthcare, formerly known as Golden Rule Insurance Company, and other insurance companies provide a variety of ACA-Compliant plan(s). Be sure to shop plans efficiently and effectively by consulting an insurance agency for guidance.
  • Always look into the fine print like deductibles, coverage limitations, waiting periods, exclusions, and the complete details that can be found in the summary of benefits.

Affordable Health Plans from:

Ambetter from Magnolia Health

Cigna Health and Life Insurance Company

Molina Healthcare of Mississippi, Inc

UnitedHealthcare

Vantage Health Plan of Mississippi

Affordable Dental Plans from:

BEST Life and Health Insurance Company

Delta Dental Insurance Company

The Guardian Life Insurance Company of America

Humana Insurance Company

Renaissance Life & Health Insurance Company of America

Join The Zero-Premium Club

68% of Mississippi Healthcare.gov enrollees
had access to $0 premium health plans. [2]

Zero premiums mean zero stress.
Find out if you can get zero/low-cost health insurance.

The Role of an Insurance Agent

A licensed insurance agent isn’t just about selling. They guide, educate, and ensure that every individual finds the health plan aligning with their needs, be it from the major medical coverage options or specific plans like dental or vision insurance.

Your Health Care Plans, Our Priority

Health is priceless. Whether you’re exploring health insurance, seeking options, or just need information about enrolling, our commitment is to provide clarity, options, and unwavering support.

For more insights, tips, and details on health plans, deductibles, benefits, and more, continue exploring our website or reach out to our expert team.

FAQ: Mississippi Health Insurance

How Much is Health Insurance in Mississippi Per Month?

The average cost of health insurance covergae in Mississippi per month for a 40-year-old individual is $521 for a Silver plan, according to ValuePenguin. However, the actual cost of your health insurance will vary depending on a number of factors, including your age, health, family size, and the type of plan you choose.

For example, a younger individual in good health may be able to find a plan for as low as $200 per month, while an older individual with chronic health conditions may pay upwards of $1,000 per month. Additionally, family plans are typically more expensive than individual plans.

Here is a breakdown of the average monthly cost of health insurance, by plan type and family size:

Plan Type

Family Size

Average Monthly Cost

Bronze

Individual

$287

Bronze

Family

$777

Silver

Individual

$521

Silver

Family

$1,375

Gold

Individual

$670

Gold

Family

$1,787

Platinum

Individual

$866

Platinum

Family

$2,304

What Health Insurance Companies Are in Mississippi?

Mississippi hosts several insurance providers. Notable companies include Blue Cross Blue Shield of Mississippi, Aetna, Cigna, Humana, and United Healthcare, formerly known as Golden Rule Insurance Company. It’s always a good idea to shop around and compare policies before making a decision. For a complete list and plan comparisons, check out marketplaceamerica.org.

Does Mississippi Offer State Health Insurance?

Yes, Mississippi offers state-sponsored insurance plans through programs such as Medicaid and the Mississippi Children’s Health Insurance Program (CHIP). Eligibility for these programs is determined by income, family size, and other criteria. You can also explore additional options on marketplaceamerica.org.

Is Blue Cross Blue Shield of Mississippi Good Insurance?

Blue Cross Blue Shield of Mississippi is one of the leading insurance providers in the state and is highly regarded for its comprehensive options and network of healthcare providers. As with any insurer, customer satisfaction can vary, so it’s essential to read reviews and compare plans.

What is the Best Healthcare in Mississippi?

Determining the “best” healthcare in Mississippi depends on individual needs. However, renowned hospitals like the Medical University of Mississippi (MUM) in Jackson are known for excellent care. It’s recommended to compare coverage, customer reviews, and rates from various providers.

What is Considered Low Income in Mississippi?

According to the U.S. Department of Health and Human Services, a low-income household in Mississippi is one that earns an income below 200% of the federal poverty level (FPL). In 2023, the FPL for a single person in Mississippi is $12,890. This means that a single person earning less than $25,780 per year is considered low-income. For a family of four in Mississippi, the FPL is $27,750 per year. This means that a family of four earning less than $55,500 per year is considered low-income. Here is a table of the FPL for different household sizes in Mississippi:

Household Size

FPL

1 person

$12,890

2 people

$17,420

3 people

$21,950

4 people

$27,750

5 people

$33,550

6 people

$39,350

7 people

$45,150

8 people

$50,950

Is There Free Health Care in Mississippi?

While Mississippi doesn’t offer entirely free healthcare, there are state-sponsored programs like Medicaid and CHIP that provide healthcare at reduced or no cost for eligible individuals and families based on income and other criteria.

What is the Maximum Income to Qualify for Medicaid in Mississippi?

The maximum income to qualify for Medicaid in Mississippi varies depending on your age, family size, and disability status. However, in general, most adults must have an income below 135% of the federal poverty level (FPL) to qualify for Medicaid. Here is a breakdown of the maximum income limits for Medicaid in Mississippi, by age and family size:

Age

Family Size

Maximum Income Limit (135% FPL)

Adults (under age 65)

Individual

$1,691

Adults (under age 65)

Couple

$2,269

Adults (under age 65)

Family of 3

$2,847

Adults (under age 65)

Family of 4

$3,425

Children (under age 19)

Individual

$1,943

Children (under age 19)

Couple

$2,621

Children (under age 19)

Family of 3

$3,299

Children (under age 19)

Family of 4

$3,977

What is the Cheapest Health Insurance in Mississippi?

The cheapest health insurance plans will depend on individual factors such as age and plan type. It’s advisable to shop around, compare quotes, and consider both monthly premiums and out-of-pocket expenses when determining cost.

How to Get Free Health Insurance in Mississippi?

Eligible residents can apply for free or reduced-cost medical insurance through state programs like Medicaid or CHIP. To determine eligibility, one can consult with the Mississippi Department of Health and Human Services. Additionally, depending upon your household income, you may be able to secure Marketplace coverage at no cost utilizing premium subsidies and/or tax credit. Check marketplaceamerica.org to see how much savings you are entitled to.

Self-employed Health Insurance in Mississippi?

Self-employed individuals can purchase major medical insurance through the Marketplace. There might be specific plans tailored to the self-employed, offering flexibility and coverage suitable for entrepreneurs. You can explore individual plans suited for you on marketplaceamerica.org.

What is the Best Health Insurance in Mississippi?

The best health insurance offered in Mississippi depends on your individual needs and budget. However, some of the most popular and highly-rated insurers in the state include:

  • Vantage Health Plan
  • Cigna Healthcare
  • Molina Healthcare
  • Ambetter of Magnolia

Medicare Choices in Mississippi

Medicare, health coverage for those 65 and older, offers two main choices in Mississippi. Beneficiaries can either opt for Original Medicare, which encompasses Part A (covering hospital services) and Part B (for medical services), or they can select Medicare Advantage plans, known as Part C. These plans are provided by private insurers and often feature added perks like prescription drug coverage, dental, and vision benefit

Is it mandatory to have health insurance in Mississippi?

No, health insurance is not mandatory in Mississippi. Neither the state nor the federal government has a law requiring residents to have health insurance. However, the Affordable Care Act (ACA) does impose a tax penalty on individuals who do not have health insurance, unless they qualify for an exemption. The tax penalty is waived for 2023, but it is unclear whether it will be reinstated in future years.

What is the Health Insurance Marketplace?

The health insurance marketplace, also known as the exchange, is an online platform where individuals, families, and small businesses can compare and purchase health insurance plans. It provides a centralized location to find information about different insurance options, check eligibility for cost assistance, and enroll in a plan that suits your needs. The marketplace is accessible through Healthcare.gov in most states, while some states operate their own exchanges.

Need health insurance?

Call our Marketplace Call Center for free assistance* from licensed health agents.

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