Best Cheap Health Insurance in Mississippi for 2025

Best and cheapest health insurance in Mississippi

Cheapest health insurance companies in Mississippi

Affordable health insurance in Mississippi

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Best health insurance companies in Mississippi

The company has a perfect 5-star rating for customer experience from HealthCare.gov. That means Ambetter customers find it easy to set appointments and see their doctor. It also measures the quality of care you get, meaning Ambetter customers are generally satisfied with the services covered by their plan.

Best-rated health insurance companies in Mississippi

Ambetter from Magnolia Health gets 11% fewer complaints about its medical insurance plans compared to an average company its size, which means most people probably have a good experience with the company.

Molina is also a good health insurance company in Mississippi. But Molina gets about a third more complaints about its medical insurance than expected for a company its size. Before you buy a plan from Molina, it might be helpful to talk to current members about their experiences.

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How much does health insurance cost in Mississippi?

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Cheap Mississippi health insurance plans by city

But Cigna has the most affordable quotes in Southaven and Olive Branch, both Memphis suburbs. Molina has the cheapest Silver plans in about 95% of the counties in Mississippi. That includes many rural parts of the state and about 91% of the state's population.

Cheapest health insurance plans by MS county

Best health insurance plan by level of coverage

Generally, if you're young and healthy, choosing a Bronze plan can help you save money overall, even if it means paying for more of your medical care when you need it. If you expect to need surgery or are managing a chronic health condition, it's usually worth it to pay more for a Gold plan that gives you better coverage.

When shopping for affordable health insurance, Silver plans are a good choice for most people because they balance how much you pay for a plan versus the coverage you have for medical care.

Gold plans: Best if you have high medical costs

In Mississippi, Gold plans are the highest level of coverage. They have the most expensive quotes, but they also pay for more of your medical bills. Gold plans can help make health care more affordable if you need ongoing treatment or expensive prescriptions or if you're having a baby.

If you have a Gold plan in Mississippi, you'll have to pay an average of $1,316 toward your medical bills each year before your plan starts to chip in. Overall, Gold plans pay for about 80% of your medical care.

Silver plans: Best for most people

Silver plans are a middle-of-the-road option, making them a good choice for most people. Quotes are affordable, and the coverage for health expenses is better than what you'll get with a Bronze plan. Silver plans pay for about 70% of your medical care.

But you'll pay $4,656 per year, on average, with a Silver plan before your plan starts to pay. Because the deductible is high, it's important to have emergency savings in case you have to pay it all at once.

Bronze plans: Best for young, healthy people

Bronze plans have the cheapest quotes in Mississippi, on average. But you'll also have to pay the most for your medical care because of the high deductibles and out-of-pocket maximums. On average, you have to pay for $6,370 of your medical care yourself before your plan starts paying.

Bronze plans pay for about 60% of your medical care. But they still give you free checkups and preventive care, so they're a good deal if you don't expect to go to the doctor often. They're also a good choice if you have the emergency savings to cover a large, unexpected medical bill.

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Cheap or free health insurance in Mississippi if you have a low income

If you can't afford to pay for a health plan, Medicaid can be a good option. And if you struggle to pay for medical care even with health insurance, consider buying a Silver plan. You might get an extra discount that could help.

Medicaid in Mississippi

But Mississippi hasn't expanded its Medicaid program, which makes it harder to qualify than it is in other states. You have to have a low income and meet another requirement, such as being a parent or having a disability.

Use cost-sharing reductions for cheaper medical care

If you make between $15,060 and $37,650 per year as an individual or between $31,200 and $78,000 as a family of four, a Silver plan is probably your best choice. Not only do you likely qualify for rate subsidies that lower your monthly health insurance cost, but you will also probably qualify for another discount, called cost-sharing reductions, that lower how much you pay for medical care.

Cost-sharing reductions are only available on Silver plans, but they can make your coverage even better than a Gold plan. And nearly everyone who shops on HealthCare.gov in Mississippi qualifies for cost-sharing reductions, which could explain why Silver plans are the most popular option in the state. A Silver plan with cost-sharing reductions pays for between 73% and 94% of your medical bills, on average.

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Are health insurance rates going up in Mississippi?

That means medical insurance costs about $11 more per month across all levels in 2025 than it did in 2024. Silver plans increased by about 4%, the most of any plan level.

All plan tiers are expected to get much more expensive in 2026.

Why is health insurance expensive in Mississippi in 2026?

Medical insurance companies want to raise rates by an average of 20% in 2026, which is much higher than the typical annual increase. This sharp rise in medical insurance rates is driven mainly by higher health care costs, more expensive prescription drug prices including more widespread use of weight loss drugs such as Wegovy and Ozempic, general inflation and expiring Covid-era expanded health insurance subsidies.

How to save on Mississippi health insurance in 2026

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Average cost of health insurance plan by family size in Mississippi

The larger your family is, the more you'll pay for medical insurance. The cost to insure a child on a Silver plan in Mississippi averages $265 per month.

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COBRA insurance plan in Mississippi

It's almost always cheaper to buy a plan from HealthCare.gov, especially since most people qualify for discounts on their rate and medical care. On average, a Silver plan costs $533 per month for an individual and $1,597 per month for a family of four. That's more affordable than COBRA.

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Short-term health insurance plans in Mississippi

But short-term medical insurance isn't always the best option. You'll usually get better coverage if you buy a plan from HealthCare.gov, and you can cancel those plans at any time without a penalty.

Pros of short-term health insurance plans in Mississippi

Cons of short-term health insurance plans in Mississippi

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Frequently asked questions

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Methodology

Health insurance rates, deductibles and out-of-pocket maximums for 2025 are from the Centers for Medicare & Medicaid Services (CMS) government website. Using the public use files (PUFs), ValuePenguin found average values by age, metal tier, county and family size. Rates are for a 40-year-old with a Silver plan unless otherwise noted.

Rates for plans with subsidies come from CMS data for everyone who bought a policy during 2024 open enrollment and qualified for advanced premium tax credits (APTCs).

ValuePenguin editor ratings are based on a review of each company's rates, coverage, customer satisfaction and unique features.

Additional data sources include the National Association of Insurance Commissioners (NAIC) and KFF. Data concerning projected health insurance cost increases for 2026 was taken from KFF.