Finding the right health insurance in Mississippi means balancing affordability with access to quality care. Based on our analysis of premiums, deductibles, maximum out-of-pocket costs and overall value, Ambetter is the best health insurance company in Mississippi. Oscar Health Plan, Inc., UnitedHealthcare and Molina Healthcare also perform well, offering competitive Silver-tier plans that appeal to different budgets and coverage needs.
Best Health Insurance in Mississippi (2026)
Updated: January 23, 2026
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Key Takeaways
Ambetter provides the best health insurance in Mississippi, featuring a strong balance of affordable premiums, reasonable deductibles, and manageable out-of-pocket limits across its plans.
Oscar Health Plan offers the cheapest health insurance in Mississippi, though its deductibles and out-of-pocket maximums are relatively high.
When shopping for health insurance in Mississippi, get quotes from several insurers, closely review coverage levels and deductible amounts, and confirm that your preferred doctors, hospitals, and specialists are included in the plan’s provider network.
Best Health Insurance Companies in Mississippi
| Ambetter | $695 | $5,657 | $3,100 | 4.4 | Standard Silver |
| Oscar Health Plan, Inc. | $630 | $5,871 | $3,336 | 4.3 | Silver Simple |
| UnitedHealthcare | $841 | $6,234 | $2,405 | 4.1 | Uhc Silver Standard (No Referrals) |
| Molina Healthcare | $828 | $5,657 | $3,100 | 4.0 | Molina Silver Standard |
*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.
Ambetter
MoneyGeek Rating
4.4/ 5
4.7/5Affordability
2.7/5Deductible
5/5MOOP
Average Monthly Rate
$695Average MOOP
$5,657Average Deductible
$3,100
Oscar
MoneyGeek Rating
4.3/ 5
5/5Affordability
2.5/5Deductible
3.8/5MOOP
Average Monthly Rate
$630Average MOOP
$5,871Average Deductible
$3,336
UnitedHealthcare
MoneyGeek Rating
4.1/ 5
4.3/5Affordability
5/5Deductible
2.5/5MOOP
Average Monthly Rate
$841Average MOOP
$6,234Average Deductible
$2,405
Best Health Insurance in Mississippi by Category
Health insurance costs in Mississippi vary widely depending on your age, the type of plan you choose and the level of coverage you need. To highlight where shoppers may find the best value, the breakdown below compares average Silver-tier rates by age group and plan type, showing how prices and cost sharing differ across insurers. In Mississippi, Silver plan premiums range on average from $313 to $1,475 per month, making it especially important to compare options within your specific category.
By Age:
- Teens (18): Cigna EPO plans cost $344 monthly, Ambetter HMO plans cost $345, and Oscar HMO plans cost $313.
- Young adults (26): Cigna charges $554 monthly for EPO coverage, Ambetter HMO plans cost $557, while Oscar HMO plans cost $505.
- Adults (40): Cigna EPO plans cost $692 monthly, Ambetter HMO plans run $695, and Oscar HMO plans cost $630.
- Seniors (60): Cigna charges $1,469 monthly for EPO plans, Ambetter charges $1,475 for HMO coverage, and Oscar charges $1,337 for HMO plans.
By Plan Type:
- HMO: Ambetter offers HMO coverage for 40-year-olds at $695 monthly with a $3,100 deductible and $5,657 MOOP.
- EPO: Cigna charges 40-year-olds $692 monthly with a $2,733 deductible and $5,980 MOOP.
*All rates are averages based on Silver plans for the given category.
Compare Mississippi Health Insurance Providers
Premiums, deductibles and maximum out-of-pocket costs vary between Mississippi health insurers. Filter by age, metal level, plan type and HSA eligibility below.
Data filtered by:
HMO
Silver
40
No
| Ambetter | $695 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Oscar Health Plan, Inc. | $630 | HMO | Silver | $5,871 | $3,336 | 40 | No |
| UnitedHealthcare | $841 | HMO | Silver | $6,234 | $2,405 | 40 | No |
| Molina Healthcare | $828 | HMO | Silver | $5,657 | $3,100 | 40 | No |
How to Choose the Best Health Insurance in Mississippi
Choosing health insurance in Mississippi means weighing premiums against deductibles, network access and coverage limits.
- 1Assess Your Healthcare Needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Consider chronic conditions that require ongoing care in Jackson or Gulfport, as these will impact your plan selection and budget planning.
- 2Compare Multiple Insurance Quotes
Request rates from at least three Mississippi health insurance companies to spot price differences and coverage variations.
- 3Verify Provider Networks
Confirm your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront.
- 4Review Cost-Sharing Details
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your maximum out-of-pocket limit caps annual expenses, limiting your total costs.
- 5Evaluate Plan Types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs. HMOs require referrals but cost less, while PPOs offer flexibility to see specialists without approval at higher premiums. EPOs and POS plans fall between these options.
- 6Explore Federal Programs
Subsidies and Medicare plans make health insurance more affordable for qualifying individuals. If you have a low income, a qualifying disability or are 65 or older, explore Medicare Advantage and Medicare Supplement options.
How Much Does Health Insurance Cost in Mississippi?
In Mississippi, HMO plans deliver the most affordable Bronze coverage, averaging $614 per month, while EPO plans offer the lowest-cost Silver option at $692. EPO Bronze plans are not available in the state.
Gold-tier pricing is comparable between plan types, with HMO plans averaging $951 per month and EPO plans averaging $978. While EPOs generally provide greater provider flexibility than HMOs, that flexibility usually comes at a higher premium cost. Neither plan type offers Platinum coverage in Mississippi.
| EPO | No Data | 596 | 692 | 978 |
| HMO | $614 | 660 | 756 | 951 |
*Rates are averages for 40-year-olds in Mississippi. Your rates will vary based on your age and location.
Best Health Insurance in Mississippi: Bottom Line
Ambetter, Oscar Health Plan and UnitedHealthcare deliver the best health insurance in Mississippi for 2026. Ambetter leads by balancing affordable premiums with strong coverage, while Oscar offers the cheapest monthly rates but comes with higher deductibles and out-of-pocket costs.
Best Mississippi Health Insurance: FAQ
Mississippi residents ask about enrollment deadlines, state coverage requirements and coordinating multiple insurance plans:
How do I get health insurance in Mississippi?
Mississippi residents can obtain health insurance through Healthcare.gov, directly from insurance companies, or with help from licensed brokers. Open enrollment runs from November 1 through January 15 each year. You may qualify for special enrollment after life changes like marriage, job loss, or relocating. Employer-sponsored group coverage is also widely available.
Are you required to have health insurance in Mississippi?
Mississippi doesn't require health insurance, and you won't pay any penalties for going without coverage. However, being uninsured means you'll pay the full cost of medical care out of pocket. A single hospital stay or emergency room visit could easily cost thousands of dollars without insurance protection.
Can you have multiple health insurance plans in Mississippi?
Yes, you can have multiple health insurance plans in Mississippi. Through coordination of benefits, your primary plan pays first, and your secondary plan may cover remaining eligible expenses. This arrangement commonly occurs when both spouses have employer-sponsored coverage or when combining Medicare with supplemental insurance for enhanced coverage.
Our Review Methodology
We ranked Mississippi health insurance providers by focusing heavily on monthly premiums since this ongoing cost affects your budget the most. We also examined spending caps and upfront costs that influence your total yearly expenses.
Our Scoring System
We used three cost factors:
- Monthly premium (60%): This monthly payment has the biggest impact on affordability. Lower premiums earn higher scores.
- Maximum out-of-pocket (20%): This cap limits your total yearly spending beyond premiums. Lower caps score better.
- Deductible (20%): This amount is deducted from your pocket before coverage begins. Lower deductibles get higher scores.
Sample Consumer Profile
We reviewed every 2026 Mississippi plan for individuals aged 18, 26, 40, 50, and 60. Prices shown reflect 40-year-olds unless we note otherwise. We included all coverage levels: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.