Best Cheap Health Insurance in Mississippi for 2024

The cheapest Silver health insurance plan in Mississippi is Cigna's Connect Silver CMS Standard plan with a rate of $462 per month.

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Cigna has the cheapest Silver health insurance plans in Mississippi. But plan options vary by location. Depending on the county where you live and the tier of coverage you choose, Ambetter or Molina may also have the cheapest plan.

Health insurance in Mississippi costs an average of $511 per month, based on a 40-year-old buying a Silver plan.

Vantage Health Plan, owned by Blue Cross and Blue Shield, is the most popular health insurance company in Mississippi, covering about half of the state's population. It provides high-quality coverage and doesn't cost much more than the cheapest options.

How much does health insurance cost in Mississippi?

A Silver health insurance plan costs an average of $511 per month for a 40-year-old in Mississippi.

Rates are lower if you're younger or choose a lower tier of coverage. You'll pay more if you're older or choose a Gold plan with better benefits than a Silver plan.

Cheapest health insurance companies in Mississippi

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Your age has a big impact on the cost of health insurance. A 40-year-old choosing a Silver plan pays an average of 28% more per month than a 21-year-old. That's $111 more per month.

Monthly premiums increase sharply after age 40. A 60-year-old pays more than twice as much as a 40-year-old — an extra $574 per month for a Silver plan, on average.

Cheapest health insurance in Mississippi

Cigna has the cheapest rates in Mississippi for the Bronze and Silver tiers. These are the two most popular levels of coverage in the state.

Cheapest health insurance in MS

Cheapest plan
Monthly cost
Bronze Cigna Healthcare Connect Bronze 9450 $417
Silver Cigna Healthcare Connect Silver CMS Standard $462
Gold Molina Healthcare Gold 1 $563

Monthly costs are for a 40-year-old.

Molina has the cheapest Gold plan in Mississippi. Gold plans pay for a larger share of your medical expenses. Cigna is one of the more expensive companies for Gold plans.

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Most people in Mississippi who apply for insurance on are eligible for health insurance subsidies, which lower your monthly costs based on your income. You can still choose the plan you want, and rates can be as low as $10 per month after subsidies are applied.

Finding your best health insurance coverage in Mississippi

The best health insurance for you depends on how much medical care you expect to need in the upcoming year.

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 low-cost 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

Gold plans have the best coverage for medical expenses in Mississippi. You'll typically have higher monthly costs, averaging $638 per month for a 40-year-old. But the lower deductibles mean that your plan's full benefits kick in sooner. This can help make health care more affordable if you're getting ongoing treatment, you need expensive prescriptions or you're having a baby.

Silver plans: Best for those who need moderate medical care

Silver plans are a middle-of-the-road option, making them a good choice for most people. Monthly rates are affordable, and the coverage for health expenses is better than what you'll get with a Bronze plan.

Plus, if you have a low income, Silver is the only tier eligible for cost-sharing reductions, which reduce how much you pay for medical care. This can make a Silver plan a very good deal, with coverage that's even better than a Gold plan.

Bronze plans: Best for young, healthy people

A Bronze plan is the cheapest health insurance option in Mississippi, but you'll also have to pay the most for your medical care because of the high deductibles and out-of-pocket maximums. Bronze plans still give you free checkups and preventive care, so they're a good deal if you don't expect to need much medical care. They're also a good choice if you have the emergency savings to cover a large, unexpected medical bill.

Medicaid: Best if you have a low income

Mississippi's Medicaid program is the best way to get free or low-cost health insurance if you have a low income and meet other eligibility criteria for Medicaid in Mississippi such as being a parent or having a disability. Mississippi has not expanded its Medicaid program, which makes it harder to qualify for coverage than in other states.

Are health insurance rates going up in Mississippi?

Health insurance rates in Mississippi are going up by an average of 4% in 2024.

That means health insurance will cost about $19 more per month. Rates are returning to levels that are similar to 2022, after a slight decline in 2023.

Change (2023 to 2024)

Monthly costs are for a 40-year-old.

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The cost of Silver health insurance plans is increasing by 2%. Bronze plans have the largest price increase, with plans costing 5% more, on average.

Best cheap health insurance companies in Mississippi

UnitedHealthcare (UHC) is the best health insurance company in Mississippi because of its good customer service and variety of plan options.

The downside is that UnitedHealthcare's rates are the most expensive in the state.

Consider Vantage Health Plan for high-quality plans at a cheaper rate. Vantage receives about 79% fewer complaints than a typical company of its size. And it's a part of Blue Cross and Blue Shield, so you could have access to a large network of doctors where you can get medical care.

Cheapest health insurance companies in MS

Cigna logo
Ambetter logo
Ambetter from Magnolia Health$504
Molina logo
Vantage Health Plan logo
Vantage Health Plan$508
UnitedHealthcare logo

Average monthly cost for a 40-year-old buying a Silver plan in MS.

Cheapest health insurance plan by Mississippi county

In Mississippi, Ambetter has the cheapest Silver plans in about three-quarters of the counties. That includes many rural counties, making up a total of about half the state's population.

Where you live affects your health insurance plan options and their rates. In the city of Jackson, Molina has the cheapest Silver plan. In Gulfport, Cigna has the cheapest one.

The cheapest Silver plan in the state, Cigna Connect Silver CMS Standard with a rate of $462 per month, is available in four counties in northwestern Mississippi: De Soto, Marshall, Tate and Tunica.

Cheapest health insurance by MS county

Cheapest Silver plan
Monthly rate
AdamsAmbetter Standard Silver$482
AlcornAmbetter Standard Silver$482
AmiteAmbetter Standard Silver$482
AttalaAmbetter Standard Silver$482
BentonAmbetter Standard Silver$484
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in MS

Health insurance in Mississippi costs an average of $1,529 per month for a family of four on a Silver plan.

The larger your family is, the more you'll pay for health insurance. The cost to insure a child on a Silver plan in MS averages $254 per month.

Family size
Average cost
Individual and child$764
Couple, age 40$1,021
Family of three (adult couple and a child)$1,275
Family of four (adult couple and two children)$1,529
Family of five (adult couple and three children)$1,782

Short-term health insurance in Mississippi

Short-term health insurance plans in Mississippi can give you temporary coverage, such as if you're between jobs or missed open enrollment.

In Mississippi, short-term health insurance plans follow the federal guidelines. Short-term policies can provide coverage for up to one year and can be renewable for up to three years.

Coverage can vary widely with short-term health insurance plans, and options may not cover prescriptions or preexisting conditions. Be sure to check your policy carefully when enrolling.

Frequently asked questions

How much is Obamacare in MS?

Obamacare health insurance plans in Mississippi cost an average of $511 per month in 2024, for a 40-year-old buying a Silver plan. However, health insurance subsidies reduce the cost of a plan based on your income. After subsidies, the cost of health insurance can be between $0 per month and 8.5% of your income.

Does Mississippi have free health insurance?

Depending on your income, you may be able to get free or low-cost health insurance plans in Mississippi by shopping on and applying for tax credits, which are also called subsidies. You can also get free health insurance if you're eligible for Mississippi's Medicaid program, sometimes called MississippiCAN. To qualify, you'll usually need to have a low income and be a parent, pregnant or disabled.

Is Ambetter good in Mississippi?

Ambetter has cheap plans in many Mississippi counties, so it could save you money. But its customer satisfaction isn't as good as other Mississippi options such as UnitedHealthcare or Vantage Health Plan.


Health insurance rates, deductibles and out-of-pocket maximums in this report were compiled 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. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in our analysis; those excluded from this data set may not appear.

Additional data sources include the National Association of Insurance Commissioners (NAIC) and KFF.

Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.