Health insurance for Mississippians who buy their own.
We help Mississippians who buy their own health coverage, from people leaving a job or COBRA to self-employed workers and early retirees waiting on Medicare, compare Marketplace plans and other options.
Mississippi plans we compare
What’s different about health insurance in Mississippi.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Mississippi FAQ- Mississippi uses the federal Marketplace. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027, and you need to pick by December 15 for a January 1 start.
- The enhanced federal tax credits ended after 2025, and the average Mississippi enrollee's net premium rose from $41 to $131 a month in 2026.
- Mississippi has not expanded Medicaid, so adults without minor children generally cannot get Medicaid, and those below the poverty line cannot get Marketplace subsidies either.
- Five insurers sold Marketplace plans for 2026. Cigna is leaving at the end of 2026, so its members must pick a new plan for 2027, and a licensed agent can confirm which insurers sell in your county for 2027.
- State continuation law lets people on small employers' insured plans keep coverage for up to 12 months.
- Short-term plans are sold in Mississippi with terms up to 12 months, renewable up to 36 months, but they are not ACA coverage.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Mississippi's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Mississippi, and what to use instead.
Learn moreWho sells plans in Mississippi
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Mississippi FAQ, or ask an agent at (888) 214-4898.
No. Mississippi uses the federal Marketplace at HealthCare.gov. A 2024 state law allows a state-run exchange, but one has not been set up.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15 for coverage starting January 1. If you enroll between December 16 and January 15, coverage starts February 1.
The enhanced federal tax credits expired after 2025, so most people now get less help, and full-price premiums also rose sharply. The average Mississippi enrollee's premium after subsidies went from $41 a month in 2025 to $131 in 2026.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Mississippi county, check your subsidy, and walk you through the options. No cost, no obligation.