Cheapest Health Insurance in Mississippi: Get Free Healthcare Quotes

By: Darla J. Christy
Updated: September 27, 2022
health insurance in mississippi

If you’re one of the 2.9 million people who call Mississippi home, you have several choice plans to choose from if you want to get new health insurance in Mississippi-for yourself or your family.

Even if your company does not offer insurance, you can choose a suitable insurance plan through the Mississippi Health Insurance Marketplace. The Mississippi healthcare marketplace is accessible in Mississippi through

The Affordable Care Act (ACA), sometimes referred to as Obamacare, must be followed by all of the plans featured here. Also, government-sponsored initiatives like Medicare, Medicaid, and the Children’s Health Insurance Program (CHIP) may help if you meet the requirements.

You might even be eligible for one of the programs that offer you low-cost insurance depending on the size of your household and how much money you make.

Although Mississippi State has not decided to expand Medicaid just yet, the implementation of the original ACA reduced the 17% rate of uninsured citizens.

health insurance in mississippi


How Do I Enroll in the Mississippi Health Insurance Marketplace?

Through the federal government’s website, you can sign up for ACA health insurance through the Health Insurance Marketplace for Mississippi.

There, you can assess the insurance plans, buy insurance, and possibly be eligible for subsidies. You can also check your eligibility for Medicaid and other government-sponsored programs on the website as well.


Which Companies Offer Individual Health Insurance Plans in Mississippi?

Two companies offer individual health insurance in Mississippi: Molina Healthcare and Am better of Magnolia.

Individuals were able to access individual and family health insurance plans through the Mississippi Marketplace in 2020 through Ambetter of Magnolia.

You can also get private insurance coverage or individual plans through these health insurance companies Mississippi outside the health insurance marketplace.


How Much Does Individual Health Insurance in Mississippi Cost?

Individual plans are categorized into “metal” tiers. They are presented on and off the marketplace as either bronze, silver, or gold. The more coverage you receive, the more expensive the plan is, and the more valuable the metal is.

The lowest-cost bronze plan premiums in Mississippi decreased by roughly 12% between 2018 and 2021, while the price for a Gold plan decreased by around 5%. The only type of coverage that saw an increase in 2021 was the Silver plan.


Short-term health insurance in Mississippi

Any time of the year, a short-term health insurance policy can be obtained through the private health insurance Mississippi market. If you missed open enrollment or lost coverage under an employer-sponsored health plan, you might want to look into one of these plans. You should be aware, though, that these plans do not offer all the same benefits as a plan that is eligible for the Affordable Care Act in Mississippi.

Short-term insurance policies in Mississippi working with the federal health insurance regulations. These short-term insurance plans can cover you for up to a year. You can renew them for another 36 months. You can also check the epo health plan to get vast guidance.


Mississippi Medicaid

Mississippi Medicaid is a health care program that assists low-income individuals in paying for medical treatments. Medicaid reimburses medical service providers for patients who qualify for all Medicaid benefits as a form of health insurance in Mississippi for low income individuals.

You must be a resident of the state of Mississippi, a national or citizen of the United States, a permanent resident, or a legal alien, in need of health care or insurance help, and have a low income or very low income to qualify for Mississippi Medicaid. You also need to fit one of the following criteria:

  • pregnant
  • responsible for a child who is 18 years old or younger
  • blind
  • having a disability or living with a family member who has a disability
  • 65 years of age or older.

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cheap health insurance in mississippi

Best cheap health insurance companies in Mississippi

Health insurance providers in Mississippi include the companies, doctors and professionals that are involved in offering medical insurance in Mississippi.

The only two health insurance companies in Mississippi are Ambetter of Magnolia and Molina Healthcare.

For Expanded Bronze and Silver plans, Ambetter of Magnolia has the most affordable prices, but Molina has the most affordable prices for Bronze and Gold health insurance plans in the state.


The average cost of health insurance in Mississippi

The price of affordable health insurance in Mississippi varies according to your age, the type of policy you select, the size of your family, and other factors.

For example, in Mississippi, a 40-year-old couple with a Silver health plan pays an average of $1,022 per month for health insurance. The price for the identical plan would increase by $254 if one child were added to the insurance.


Private Health Insurance on the Mississippi Marketplace

In Mississippi, there are four distinct categories of health insurance available through the state marketplaces for individuals. While Silver and Gold policies are more expensive each month but cover more of your medical bills, Bronze and Expanded Bronze plans feature modest premiums and substantial out-of-pocket payments.

Bronze: Of all the categories offered in Mississippi, bronze plans have the lowest premium costs. The out-of-pocket costs for these plans are substantial, though. These plans are perfect for people looking for affordable health insurance in Mississippi who don’t frequently need to visit the doctor.

Expanded Bronze: Plans in this grade cost a little more than Bronze-level policies. However, they also provide slightly cheaper out-of-pocket expenses and better coverage. In comparison to Silver and Gold-tier alternatives, these plans are less expensive.

Silver: Silver plans often include moderately priced premiums and coverage. They cost less than Gold but have larger premiums than Bronze and Expanded Bronze. Compared to Bronze and Expanded Bronze plans, Silver-tier plans have lower out-of-pocket expenses, which means that Silver plans cover more of your medical expenses.

Gold: In terms of monthly costs, gold plans are the most expensive option available in the state. However, compared to all other levels, they offer better coverage and have fewer out-of-pocket expenses. The greatest option for people who require significant medical coverage in a given year is this tier.

Your ability to pay less for insurance and get additional coverage may depend on your income level.

Premium tax credits may be available to those with incomes between 100% and 400% of the federal poverty level. This applies to households with two people earning between $17,420 and $69,680 annually.


How Do I Apply for Mississippi Health Coverage Assistance?

For all insurance affordability programs, the Medicaid Division of Mississippi and its Health Insurance Marketplace utilize a single application. The federal government’s website or the state’s Access.MS website both accept online applications.

Use the button at the bottom of the PDF form to submit the Mississippi Medicaid Application Form after you have downloaded it to your computer, filled it out, and digitally signed and dated it. A finished application can also be delivered in person to a Medicaid regional office, faxed, or mailed.

You can also call 800-421-2408 if you’d like the form mailed to you or if you need mobile support.


Health Insurance in Mississippi FAQs

What is the average cost of health insurance in Mississippi?

A lot of things to consider affect the cost. Your age, policy, family size, and other factors all affect how much health insurance costs.

Does Mississippi have free healthcare?

Yes, Medicaid. Very low-income families and poor households in Mississippi are eligible for Medicaid. The uninsured may also be covered by Medicaid free health insurance Mississippi.

Mississippi also offers a free government health insurance program. It can assist in covering medical expenses, visits to the doctor, prescription medicine charges, and other expenses.

Does Mississippi have state health insurance?

Medicaid is a joint federal-state initiative that offers low-income, qualified people medical assistance. So, it serves as Mississippi state health insurance. This service is set up to give needy Mississippians access to high-quality health care coverage.

Is healthcare expensive in Mississippi?

Finding a cheap health insurance Mississippi plan on the exchange with sufficient coverage might be difficult. Generally speaking, the larger your deductible and out-of-pocket maximum are, the lower your monthly rates are. As a result, your monthly payment will be lower, but your emergency and medical coverage will be less.

How much is the cheapest medical insurance per month?

According to the most recent data available, the average cost of health insurance in the state of Mississippi is $6,547 per person. The equivalent amount for a family of four is $26,186 concerning the cheapest health insurance Mississippi.

The national average for health insurance coverage is $435 less per person than this. However, the price of health insurance varies widely depending on the cost of care and the insured population.

How much is Obamacare in Mississippi?

The U.S. Department of Health and Human Services estimates that the benchmark Obamacare monthly premium for 2018 is $411 before subsidies.

An insurance plan purchased on the Obamacare marketplace will typically have a monthly premium of $328 to $482.

A 40-year-average old’s monthly premium for an ACA plan in 2021 is between $267 and $544, but you may be eligible for assistance with premiums and out-of-pocket expenses.

What are the different types of Medicaid in Mississippi?

To provide health insurance coverage for seniors, expectant women, parents, children, people with disabilities, and carers, Mississippi offers Medicaid programs that are jointly supported by the state and the federal governments.

The Medicaid programs are:

  • Assisted Living (AL) Waiver
  • Independent Living (IL) Waiver
  • Elderly and Disabled (E&D) Waiver
  • Mississippi Coordinated Access Network


What are Medicaid requirements in Mississippi?

The candidate must be a resident of Mississippi and a citizen of the United States or have the appropriate immigration status.

Applicants must be 65 years of age or older, blind, or otherwise disabled. Following the degree of treatment requested, the applicant must fulfill several medical standards.

Everyone who may be eligible for benefits must apply for them and accept them. Retirement or disability benefits, for instance, or VA benefits. If benefits are not accepted, Medicaid eligibility may be lost.

  • Income requirements for pregnant women: $2,626 per month for a family of two, or 194% of the federal poverty level.
  • Household income for a family of two up to 194% of the FPL ($2,626 per month) for children under the age of one
  • Income up to 143% of the FPL ($1,936 per month for a family of two) for children aged one to five.
  • Income up to 133% of the FPL ($1,800 per month for a family of two) for children aged 6 to 18
  • Family income of up to $227 per month for one person and $78 for each additional member is acceptable for parents or other relatives looking after dependent children.

What is the maximum income to qualify for Medicaid in Mississippi?

For a single applicant, the monthly income including wages, pensions, SSI payments, annuities, veteran’s benefits, IRAs, etc. cannot exceed $2,523 per month.

If any surplus income is put into a qualified income or miller trust, the Medicaid eligibility can be maintained on income over $2,523.

For applicants that are not single, the spouse receiving nursing home care is eligible for a personal needs stipend of only $44 per month. Veterans and surviving spouses of veterans are allowed to maintain their $90 pension.

What is Mississippi CHIP?

CHIP, an acronym for Children’s Health Insurance Program, was developed to accommodate children without insurance by the Mississippi state. Children without insurance up to the age of 19 are covered through CHIP.

A child cannot be eligible for Medicaid and CHIP at the same time. Children who have health insurance at the time of application are ineligible for CHIP.


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