Oscar Health Plan offers Mississippi's cheapest health insurance at $740 monthly. That's $79 below the state average. Ambetter costs $785 per month, while Cigna charges $795. Your final premium depends on your age, household income and which metal tier you select. Premium tax credits can lower your monthly payment substantially if you qualify based on income. Shop around since not all insurers operate in every Mississippi county.
Cheapest Health Insurance in Mississippi: Affordable Plans for 2026
Updated: January 23, 2026
Advertising & Editorial Disclosure
Key Takeaways
Oscar is Mississippi's most affordable health insurance provider, with an average monthly premium of $740.
Oscar offers the cheapest rates for children, teens, young adults, adults, seniors and HMO plans. Cigna Healthcare has the lowest EPO rates.
Compare at least three insurers during Open Enrollment to find affordable coverage. Spending 30 minutes comparing plans can save you hundreds annually.
Most Affordable Health Insurance Companies in Mississippi
| Oscar Health Plan, Inc. | $740 | $79 | $8,880 | $948 |
| Ambetter | $785 | $34 | $9,420 | $408 |
| Cigna Healthcare | $795 | $24 | $9,540 | $288 |
| UnitedHealthcare | $834 | $15 | $10,008 | $180 |
| Molina Healthcare | $996 | $177 | $11,952 | $2,124 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Mississippi. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average to show how much cheaper they are than the overall state average. Your actual rates will vary based on age, location and chosen plan.
Oscar
MoneyGeek Rating
4.3/ 5
5/5Affordability
2.5/5Deductible
3.8/5MOOP
Avg. Monthly Rate
$740Avg. MOOP
$6,570Avg. Deductible
$3,234
Cheapest Mississippi Health Insurance Providers By Profile
Finding the best health insurance in Mississippi starts with your age, plan type and metal tier. Weigh monthly premiums against deductibles (what you pay first) and MOOP caps (your yearly limit).
| Children | Oscar Health Plan, Inc. | $313 | $3,755 | $5,871 | $3,336 |
| Teens | Oscar Health Plan, Inc. | $313 | $3,755 | $5,871 | $3,336 |
| Young Adults | Oscar Health Plan, Inc. | $505 | $6,055 | $5,871 | $3,336 |
| Adults | Oscar Health Plan, Inc. | $630 | $7,557 | $5,871 | $3,336 |
| HMO | Oscar Health Plan, Inc. | $630 | $7,557 | $5,871 | $3,336 |
| EPO | Cigna Healthcare | $692 | $8,302 | $5,980 | $2,733 |
| Seniors | Oscar Health Plan, Inc. | $1,337 | $16,048 | $5,871 | $3,336 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Mississippi Health Insurance By Metal Level
Expanded Bronze through Cigna costs $596 monthly but requires a $5,250 deductible before coverage kicks in. Bronze from UnitedHealthcare runs $614. Oscar wins both Silver and Gold tiers at $630 and $856. But here's the real difference: Gold's $1,500 deductible gets you to coverage four times faster than Bronze's $7,950. This makes the extra $226 monthly worthwhile if you need regular care. No Platinum options exist in Mississippi.
| Expanded Bronze | Cigna Healthcare | $596 | $7,148 | $7,753 | $5,250 |
| Bronze | UnitedHealthcare | $614 | $7,365 | $7,950 | $7,950 |
| Silver | Oscar Health Plan, Inc. | $630 | $7,557 | $5,871 | $3,336 |
| Gold | Oscar Health Plan, Inc. | $856 | $10,269 | $6,150 | $1,500 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Mississippi Health Insurance Plans
Check the following table to discover the most affordable health insurance options in Mississippi that match your needs:
Data filtered by:
HMO
Silver
40
No
| Oscar Health Plan, Inc. | Silver Simple | $626 | HMO | Silver | $5,757 | $3,550 | 40 | No |
| Oscar Health Plan, Inc. | Silver Classic Standard | $630 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Oscar Health Plan, Inc. | Silver Simple Chronic Care Ckm | $634 | HMO | Silver | $6,200 | $3,357 | 40 | No |
| Ambetter | Standard Silver | $682 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Ambetter | Standard Silver + Vision + Adult Dental | $707 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Advantage ($0 Virtual Urgent Care, No Referrals) | $825 | HMO | Silver | $6,486 | $2,057 | 40 | No |
| Molina Healthcare | Molina Silver Standard | $828 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Standard (No Referrals) | $838 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | $839 | HMO | Silver | $6,271 | No Data | 40 | No |
| UnitedHealthcare | Uhc Silver Advantage + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | $845 | HMO | Silver | $6,486 | $2,057 | 40 | No |
How to Find the Cheapest Health Insurance in Mississippi
Choosing health insurance means sorting through different premiums, deductibles and out-of-pocket caps. Focus on plans where your monthly cost won't exceed what you'd actually use in care each year. Use the steps below to find affordable insurance.
- 1Choose a plan type within your budget
Your health circumstances and income determine which type of plan and metal tier work best. Calculate your monthly premium budget, assess your current health status and evaluate your injury or illness risk based on age, location and lifestyle.
- 2Check if you qualify for subsidies
Your household income and size determine eligibility for 2026 health insurance subsidies. Subsidies apply to incomes between 100% and 400% of the Federal Poverty Level (FPL). Lower incomes receive larger subsidies, with credit amounts decreasing as income rises.
- 3Explore Medicare options if you qualify
Medicare, Medicaid, Medicare Advantage plans and Medicare Supplement plans cost less than marketplace coverage. Compare eligibility requirements and benefits for each program.
- 4Verify prescription coverage
Check which tier your medications fall under for each insurer. Some plans place common prescriptions on lower tiers with smaller copays, potentially saving you hundreds annually.
- 5Shop during Open Enrollment period
Open Enrollment runs from November 1 to January 15. You may qualify for Special Enrollment if you've lost your job, divorced or had a child. Compare coverage types, customer ratings, costs and whether your doctors accept the plan.
- 6Research Mississippi-specific options
Mississippi residents should explore state-specific insurance programs and local provider networks. Some plans may offer better coverage for regional healthcare systems or specialized services common in the state. Local insurance brokers can provide personalized guidance for Mississippi's unique market conditions.
Cheapest Health Insurance in Mississippi: Bottom Line
Oscar, Ambetter and Cigna have Mississippi's lowest premiums. Get personalized quotes in Bronze, Silver and Gold tiers. Don't forget to check subsidy eligibility, which can cut your monthly costs.
Cheap Mississippi Health Insurance: FAQ
We answer common questions about affordable health insurance in Mississippi:
What is the cheapest health insurance in Mississippi?
Oscar offers the cheapest health insurance, with Silver plans starting at $630 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap plans charge higher deductibles and out-of-pocket costs when you need medical care. You'll pay less monthly but more when using services. Higher-premium plans cost more upfront but reduce what you pay for doctor visits, prescriptions and procedures.
Do I qualify for subsidies on health insurance in Mississippi?
Subsidies reduce monthly premiums through HealthCare.gov, Mississippi's federal marketplace. Enter your household income during enrollment to check eligibility.
When can I enroll in health insurance in Mississippi?
You can enroll in Mississippi health insurance during Open Enrollment from November 1 through January 15 each year. If you experience a qualifying life event like marriage, having a baby or losing job-based coverage, you may qualify for Special Enrollment outside these dates.
How We Decided the Cheapest Health Insurance Companies in Mississippi
Mississippi offers hundreds of health insurance plans, and premiums vary by age. We analyzed rate data from the federal health insurance marketplace to identify which insurers offer the lowest premiums for different demographics.
Our Analysis Approach
We collected plan data for consumers aged 18, 26, 40, 50 and 60 to cover the full age spectrum from teens through pre-Medicare seniors. We ranked providers by their average monthly premiums for 40-year-olds as our baseline "cheapest overall" category, since this age reflects Mississippi's median health insurance consumer and provides the most relevant comparison for most shoppers.
For age-specific rankings (teens, young adults, adults, seniors), we used the corresponding ages listed above. This approach reveals which insurers offer the best rates for your specific age group, not just generic "cheapest" rankings that may not apply to you.
Important Cost Tradeoff
Bronze and Silver plans (the lowest monthly premiums) charge $3,336 to $7,950 deductibles and $5,871 to $7,950 maximum out-of-pocket costs. You'll save monthly but pay more when you need care. Compare premiums and potential out-of-pocket expenses based on your expected medical usage.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.