Health insurance in Mississippi is sold through Federal (Healthcare.gov), with an estimated 15-25 plans available for 2026. The average Silver-tier premium is $500/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Not expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$500/mo
Before tax credits, age 40
Medicaid
Not expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 15-25 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Not expanded | Coverage gap may exist |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Mississippi's ACA marketplace is among the least competitive in the nation, with only 15–25 plans available statewide. Aetna, Ambetter, and Molina are the primary carriers. Silver premiums average $490–$515/month for a 40-year-old before subsidies. The state's rural geography, low income levels, and high rate of chronic disease create significant coverage challenges. The Delta region and other rural areas have extremely limited healthcare infrastructure, making network adequacy a persistent problem even for those with insurance. Mississippi uses Healthcare.gov for marketplace enrollment.
Mississippi is the only Southern state that has consistently refused Medicaid expansion since the ACA was enacted. The state's Medicaid program (Division of Medicaid) covers only narrow categories of residents — primarily children, pregnant women, and severely disabled individuals. An estimated 200,000 adults fall in the coverage gap, earning too little for marketplace subsidies but too much for traditional Mississippi Medicaid. Mississippi has the highest poverty rate, worst health outcomes, and highest uninsured rate of any state. There are no state-funded coverage programs or reinsurance mechanisms to fill the gap.
Leading 2026 ACA carriers in Mississippi: Aetna/CVS, Ambetter (Centene), Molina Healthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Mississippi has the highest uninsured rate and some of the worst health outcomes in the nation; Medicaid non-expansion leaves an estimated 200,000 adults in the coverage gap.
Mississippi has not expanded Medicaid. This creates a "coverage gap" where some adults earn too much for Medicaid but too little to qualify for premium tax credits. Check eligibility for traditional Medicaid (parents, pregnant women, disabled, elderly) separately.
💡 Mississippi Pro Tip
Mississippi uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Mississippi typically pays about $490–$515/month for a Silver plan before subsidies.
No. Mississippi has not expanded Medicaid under the ACA, leaving a significant coverage gap for adults who earn too little for marketplace subsidies but don't qualify for traditional Medicaid.
Marketplace data sourced from state and federal exchange filings for Mississippi, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.