Medicare in Mississippi serves about 720,000 beneficiaries, with 45% enrolled in Medicare Advantage and the remainder on Original Medicare + Medigap. Average Medigap Plan G premium for a new 65-year-old enrollee: $121/mo. Stand-alone Part D plans average $42/mo.
Medicare Beneficiaries
720,000
Age 65+ and disabled
MA Enrollment
45%
% on Medicare Advantage
Avg Medigap Plan G
$121/mo
New enrollee, age 65
| Topic | Detail | Notes |
|---|---|---|
| Medicare Advantage plans available | 30+ | Varies by county; check medicare.gov plan finder |
| Top MA carriers | Humana, UnitedHealthcare, Molina Healthcare | Networks differ by county |
| Stand-alone Part D | $42/mo | Required if you have Original Medicare + Medigap |
| Annual guaranteed-issue Medigap switching | No (one-time 6-month window at 65) | No state annual GI rights; high dual-eligible population makes DSNP plans a major segment of the MA market. |
Medigap premiums vary by carrier, age, and ZIP code. The 2026 Part B premium is $202.90/month and Part B deductible is $283. Part D out-of-pocket cap is $2,100 in 2026.
Mississippi has one of the highest rates of dual-eligible (Medicare and Medicaid) beneficiaries in the country, driven by the state's high poverty rate and prevalence of chronic disease. This creates a large market for Dual Special Needs Plans (DSNPs), where Molina Healthcare and Humana are particularly active. The University of Mississippi Medical Center (UMMC) in Jackson is the state's primary academic medical center and a key anchor for MA networks in the central and western parts of the state. Baptist Memorial Health Care and Singing River Health System serve the northern and coastal regions respectively. Despite Humana and UnitedHealthcare's strong national presence, some rural Mississippi counties have very limited MA competition.
Medigap Plan G in Mississippi averages approximately $121/month — one of the more affordable rates in the country — making Original Medicare plus Medigap a strong value proposition for the roughly 55% of Mississippi beneficiaries who choose traditional Medicare. The state's high rates of diabetes, obesity, hypertension, and heart disease mean Medicare utilization is high, making comprehensive coverage critically important. Mississippi has no birthday rule or annual Medigap switching protections. Low-income beneficiaries who don't qualify for DSNP should explore Mississippi's Medicare Savings Programs, which can pay Part B premiums and reduce out-of-pocket exposure.
In Mississippi, traditional Medicare combined with a Medigap supplement (typically Plan G or N) plus a stand-alone Part D plan provides nationwide access with predictable costs. Plan G covers everything except the $283 Part B deductible.
Medicare Advantage (Part C) plans bundle Medicare Parts A, B, and usually D into one private plan, often with $0 premium beyond Part B. Trade-offs include network restrictions and prior authorization. 45% of Mississippi beneficiaries currently choose MA.
No state annual GI rights; high dual-eligible population makes DSNP plans a major segment of the MA market.
💡 Mississippi Pro Tip
Mississippi beneficiaries in Jackson, Gulfport, and Hattiesburg typically have access to 30 or more Medicare Advantage plans, including a significant number of Dual Special Needs Plans (DSNPs) for dual-eligible beneficiaries. Rural Delta and northeast Mississippi counties may have 10 to 20 plan options.
Mississippi has some of the lowest Medigap Plan G premiums in the country, averaging approximately $121 per month for a 65-year-old. Given the state's high chronic disease burden, this affordable Medigap option provides valuable financial protection for beneficiaries who anticipate frequent healthcare use.
Mississippi does not have a birthday rule or annual guaranteed-issue protections for Medigap. Switching outside your 6-month initial open enrollment at 65 or qualifying federal events requires medical underwriting. Given the high prevalence of chronic conditions in Mississippi, enrolling in Medigap during the open enrollment window is especially important.
Beneficiary counts and MA enrollment percentages from CMS state-level Medicare data; premium averages from 2026 carrier rate filings for Mississippi. Verify current plan costs at medicare.gov before enrolling.
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 May 2026
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