There are numerous reasonably priced health insurance plan options in Mississippi that can be tailored to your specific needs. The majority of these plans will offer options for dental and vision insurance. The cheapest health insurance plans in your state start at $410 per month, with dental add-ons at $39 per month, and vision plans at $14 per month, depending on your age, location, household size, and other factors. A full coverage health insurance plan will typically cost Mississippi residents $460 per month, but you may even be eligible for free plans.
Mississippi Health Insurance Companies
Mississippi only has a few insurance carriers, but these insurers offer plenty of plan options. The most popular carriers are:
Mississippi residents have a choice of 17 plans from Molina Healthcare. Several of these plans feature low copayments for primary care physician visits. A variety of deductibles and out-of-pocket maximums are also available. Plans with vision coverage are also available from Molina Healthcare. One great perk of Molina plans is that your account will be simple to manage online.
For Medicare beneficiaries in Mississippi, Cigna is a great option. Cigna offers several Medicare Advantage plans, each with a reasonable monthly premium. They also offer members extra benefits, including health coaching and fitness activities. In addition, your healthcare providers will all be on the same page because of Cigna’s team-based approach to care.
Health Insurance Marketplace in Mississippi
If you’re looking for health insurance in Mississippi, a great place to start is the health insurance marketplace. Marketplace health insurance, which was created by the Affordable Care Act, offers certain consumer protections, guarantees coverage for pre-existing conditions, and includes coverage for what are known as the “10 essential health benefits”:
- Ambulatory patient services (outpatient care)
- Emergency services
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (including counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
The ACA-compliant plans offered on the Marketplace are divided into different types, known as metal tiers: Bronze, Silver, and Gold. These tiers do not signal a difference in quality of care, though. The tiers differ in your out-of-pocket costs versus what your plan covers.
It’s important to remember that the Marketplace only offers the plans of participating providers. So unfortunately, while the Marketplace is a great tool, you may not be able to compare every plan available to you.
Whether you want a Marketplace plan, or a plan from a private insurer, an EZ agent can help. We work with all carriers in your state to compare all options available.
Mississippi’s Short Term Health Insurance Guidelines
If you’ve missed the health insurance Open Enrollment Period (OEP) or need health insurance for a short amount of time, short-term plans are a great option. It’s important to note, though, that these policies tend to only cover the basics, and you can be denied one of these plans if you have a pre-existing condition.
There are some rules around short-term plans, both at the federal and state level. Some states choose to have their own guidelines separate from federal guidelines, or to not offer short-term plans at all, but Mississippi has chosen to follow federal guidelines. That means you can purchase a plan for an initial term of 364 days, and then renew your plan up to 3 times, giving you the option of just under 3 years of coverage. Once your plan expires, you have the option to buy a new plan.
Mississippi Health Insurance Options
There are multiple options for great health insurance in your state, you just have to know where to look. One option is to speak to your employer to see if they offer a group plan. Even though Mississippi does not have any laws requiring companies to offer health insurance, many still do. These plans are usually less expensive than individual or family plans, since your employer can get discounts for buying group coverage.
There are also government-funded programs available, so you can look into those to see if you are eligible. Medicare provides medical insurance to citizens 65 or older, or to persons with certain disabilities. Medicaid provides affordable or usually free health insurance plans to low-income families.
An agent will be your best resource when it comes to finding the right plan for you, though. You can compare both on- and off-Marketplace plans with the aid of an EZ agent. We can find you a plan that will cover all of your healthcare needs.
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How to Get the Most Savings
Mississippi’s healthcare spending per person is squarely in the middle of the pack. They are in 25th place among the 50 states in terms of per capita healthcare spending, with an average annual cost of healthcare of $8,852. But even though healthcare in Mississippi is relatively affordable, there are still many strategies you can employ to lower your health insurance costs.
If you’re looking to save money, looking after your health is a good place to start, since insurers look at your health in order to evaluate the risk they’re taking by insuring you. Insurers can no longer deny you for having pre-existing conditions, but they will look at other things, like your body mass index (BMI). In Mississippi, 40.80% of adults are considered obese, so if you are one of the many people in this category in your state, you will likely pay more for your insurance premiums.
Smoking is another red flag for insurance companies. Adults in Mississippi smoke at a high rate of 19.6%, so there are a lot of people in your state who could be paying up to 50% more for health insurance than do nonsmokers. Quitting is a great way to get healthy and keep more money in your wallet!
With all that being said, using an agent to help you find health insurance discounts is still the simplest way to save. By working with an EZ agent, you can actually save hundreds of dollars every year. They achieve this by looking for all plans that are within your price range and adding any available local discounts. And we charge nothing for our services!
Mississippi Health Insurance FAQS
Does Mississippi require you to have health insurance?
The Affordable Care Act requires all citizens have health insurance coverage, but there is no longer a federal tax penalty for not having insurance. Some states have a state tax penalty, but Mississippi is not one of them.
What is the cheapest health insurance in Mississippi?
The cheapest health plan will be a Bronze Plan, which can start as low as $410 a month. Remember, though, health insurance plan prices can vary depending on age, zip code, gender, and other factors.
How much does health insurance cost in Mississippi?
The average monthly premium for health insurance in Mississippi is $460, or $5,520 per year, with plans as low as $410 a month to as high as $1,321. But some residents even qualify for free coverage!
Which insurance companies offer plans in Mississippi?
Molina, Cigna, Magnolia Health, UnitedHealthcare, Vantage health, and Ambetter all offer various types of plans to Mississippi residents.
How to Enroll in Health Insurance in Mississippi
There are numerous options for enrollment in Mississippi. You can enroll in a group plan through your employer if they offer one, or you can enroll directly through a carrier. In addition, Mississippi uses the federal Health Insurance Marketplace rather than a state-run exchange, so you can head to its website to check out your options.
Whatever type of plan you’re looking for, EZ agents are available for enrollment assistance. We can guide you through the process and answer any questions you may have. Considering your health, age, and financial position, we will research the best solutions for you and find you the right plan. We work with the top insurance companies in the country to give you the affordable coverage you deserve.
If you still have questions, feel free to give us a call at 877-670-3557. When you call, you will be directly connected to a local insurance agent who can answer all of your questions and help you find the health insurance plan that works best for you.