Haris Ashley
Mississippi offers a range of health insurance plans to cater to different needs and budgets. These include individual health insurance plans, family plans, Medicare, Medicaid, and supplemental plans for dental, vision, accident insurance, and more. Short-term health insurance is also available, which can be useful if you're between jobs, a new graduate, or retired. When choosing a plan, it's important to consider your expected medical needs, as bronze plans are usually cheaper but cover less, while gold plans are more expensive but provide better coverage. Additionally, some insurance plans do not cover pre-existing conditions, so it's essential to carefully review the policy details before selecting a plan.
| Characteristics | Values |
|---|---|
| Company | Molina, Cigna, Ambetter, Magnolia Health, UnitedHealthcare, Blue Cross & Blue Shield of Mississippi |
| Plan type | Bronze, Silver, Gold, Medicare Advantage, Medicare Supplement, Accident, Critical Illness, Dental, Fixed Indemnity, Hospital Indemnity, Short Term, Term Life, Vision, ACA Marketplace |
| Eligibility | Income between $15,060 and $60,240 per year for discounted rates |
| Cost | Molina offers the cheapest health insurance in Jackson, Gulfport, and Hattiesburg; Cigna offers the cheapest health insurance in Southaven and Olive Branch |
| Benefits | Unlimited $0 virtual doctor visits, prescription drugs, maternity and postpartum care, mental health support, etc. |
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What You'll Learn
Mississippi's cheapest health insurance
Health insurance rates in Mississippi vary based on age, income, and desired coverage level. However, there are a variety of affordable options available for individuals and families.
Molina offers the cheapest Silver plans in about 95% of Mississippi's counties, including Jackson, Gulfport, and Hattiesburg. Their Gold 1 plan is also Mississippi's cheapest gold plan at $581 per month. Ambetter from Magnolia Health is another highly-rated option, with Silver plans starting at $491 per month before discounts. Connect Silver CMS Standard from Cigna is another cheap Silver plan, also costing $491 per month. Cigna also offers the most affordable Bronze and Silver plans.
If you are looking for a plan that balances affordability with high quality and ample coverage options, MoneyGeek has analysed Mississippi's best health insurance options. UnitedHealthcare of Mississippi, Inc. also offers affordable, reliable coverage options, with some individuals and families eligible for lower monthly premiums under the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022.
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Mississippi's best health insurance
Health insurance in Mississippi offers a range of options, from affordable to premium, with various providers catering to different needs. Here is an overview of Mississippi's best health insurance options:
Magnolia Health's Ambetter
Magnolia Health's Ambetter plan is often cited as Mississippi's best overall health insurance option. It offers affordable healthcare coverage for individuals and families, with Silver plans starting at $491 per month before discounts. Ambetter is also Mississippi's Medicaid provider, so it caters to low-income individuals and families who may qualify for free health insurance. Depending on family size and income, enrollees may even receive help with their monthly premiums.
Molina
Molina offers the cheapest health insurance in about 95% of Mississippi's counties, including major cities like Jackson, Gulfport, and Hattiesburg. Their Silver plans are competitively priced, making them a good option for most people.
Cigna
Cigna sells the cheapest health insurance plans in certain areas, such as the Memphis suburbs of Southaven and Olive Branch.
UnitedHealthcare of Mississippi, Inc.
UnitedHealthcare offers ACA Marketplace plans with reliable coverage options. As a result of the American Rescue Plan Act of 2021 and the Inflation Reduction Act of 2022, many individuals and families are now eligible for lower monthly premiums, with some even paying $0.
Allwell
Allwell is a Medicare Advantage plan for individuals eligible for Medicare Parts A and B. Allwell provides affordable healthcare coverage, including prescription drugs, and additional benefits not covered by original Medicare.
It is important to note that the best health insurance plan for you depends on your specific needs, family situation, income, and how much medical care you anticipate needing. Mississippi has a range of options, and it is recommended to explore the Health Insurance Marketplace to compare plans and find the best fit.
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Mississippi's health insurance for families
In Mississippi, there are several options for health insurance for families. Firstly, UnitedHealthcare offers Individual & Family ACA Marketplace plans, providing affordable and reliable coverage options with lower monthly premiums due to the American Rescue Plan Act of 2021 and Inflation Reduction Act of 2022. Their plans cover medical expenses, with no additional charges based on health status, medical history, or genetic information.
Cigna Healthcare also provides individual and family medical and dental insurance plans, with quality care, personalized support, and savings opportunities. Their plans cover emergency services for family members outside the service area and may require proof of disability and dependency for coverage of a spouse's children.
Magnolia Health is another option, offering affordable Mississippi Medicaid and Health Insurance Marketplace products. Their plan, Ambetter, provides affordable healthcare coverage for individuals and families, with potential assistance for monthly premium payments based on family size and income. Magnolia Health also offers Allwell, a Medicare Advantage plan with coverage for prescription drugs and additional benefits beyond Medicare Part A and Part B.
Additionally, Mississippi offers the Mississippi State and School Employees' Life and Health Insurance Plan, a self-insured option providing coverage for employees, dependents, spouses, and retirees. This plan is administered by Blue Cross & Blue Shield of Mississippi, with exclusive access to their network of healthcare providers.
When considering health insurance in Mississippi, it is important to review the different plans, coverage options, and eligibility requirements to find the best fit for your family's needs.
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Mississippi's short-term health insurance
Short-term health insurance plans in Mississippi are designed to provide temporary coverage for individuals facing a gap in their regular insurance. These plans are often more affordable than standard health plans, but they do not cover all medical needs and are not as comprehensive as ACA-compliant major medical plans. Short-term health insurance in Mississippi can be purchased by residents who can meet the underwriting guidelines of insurers, which usually means being younger than 65 and not having any pre-existing medical conditions.
The Mississippi State and School Employees' Life and Health Insurance Plan is a self-insured plan that provides coverage for more than 197,000 active employees, dependents, spouses, and retirees. Health benefits are administered by Blue Cross & Blue Shield of Mississippi through the AHS State Network of physicians, hospitals, and other healthcare providers.
The average monthly premium for a short-term health insurance plan sold in Mississippi was $238.93 in 2023, according to data from IHC Specialty Benefits. The sale of short-term health insurance plans is allowed in Mississippi, and federal regulations regarding short-term health insurance apply. This means that short-term plans issued or sold on or after September 1, 2024, are limited to total durations of no more than four months, including renewals. Initial terms are capped at no more than three months, with the option to renew for one additional month.
Short-term health insurance plans do not have to follow all ACA coverage mandates, and they may not cover all Essential Health Benefits in your state. These plans are intended for temporary coverage and are best for filling gaps between more robust policies. Coverage specifics vary by plan and provider, so it is essential to consult with licensed agents to find the best plan for your needs and budget.
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Mississippi's health insurance for international visitors
Health insurance is strongly recommended for international visitors travelling to Mississippi, as there is no agreement between the US and other countries for medical or hospital care. Medical expenses in the US can be very high, and visitors may find themselves in serious debt without insurance.
International students can get medical insurance in Mississippi, with plans offered by popular providers such as American Visitor Insurance and StudentSecure Smart. The StudentSecure Smart plan provides coverage of up to $100,000 with a $0 deductible for around $32 per month. Exchange visitors must provide proof of insurance to the International Services Office upon arrival for their immigration record to be activated.
The University of Mississippi Medical Center (UMMC) provides telehealth services to participants Monday through Friday, 8 am to 5 pm. UMMC participants can receive healthcare using a smartphone, tablet, or webcam-enabled computer. Magnolia Health also offers affordable health care coverage for individuals and families in Mississippi through its Ambetter program.
It is important to compare different insurance plans and providers to find the one that best suits your needs and budget.
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Frequently asked questions
Molina has the cheapest health insurance in many of Mississippi's large cities, including Jackson, Gulfport and Hattiesburg. Cigna, on the other hand, sells the cheapest health insurance in some other major cities, like Southaven and Olive Branch. Ambetter from Magnolia Health is another good option, with a 5-star rating for customer experience.
There are Bronze, Silver and Gold plans available in Mississippi. Bronze plans are cheaper but cover less, while Silver plans are a good balance between cost and coverage. Gold plans are the most expensive but offer the best coverage, making them ideal for those with complex medical needs.
The Health Insurance Marketplace is an online platform where individuals and families can shop for healthcare plans. You can also contact insurance providers directly, such as Magnolia Health, to learn more about their specific programs and eligibility requirements.
The cheapest type of health insurance plan in Mississippi is typically the Bronze plan. However, it's important to remember that Bronze plans have lower monthly costs but usually pay a smaller share of your medical bills.
In addition to health insurance, Mississippi residents can also consider supplemental plans for dental, vision, accident insurance and more. Accident Insurance, for example, can provide cash benefits to cover expenses related to accidental injuries. Critical Illness Insurance pays cash benefits for qualifying serious illnesses.
