Mississippi · 2027 Open Enrollment
Mississippi ACA health insurance for 2027
Open Enrollment for 2027 Mississippi Marketplace plans runs November 1, 2026 – January 15, 2027. Enroll by December 15 for coverage starting January 1. Larry Hamilton is a licensed agent in Mississippi and can help you compare every plan available at your ZIP code, online or by phone, at no extra cost.
What's new in Mississippi for 2027
Cigna and Molina are both leaving Mississippi's Marketplace for 2027, which leaves three insurers. Members of those two insurers must choose a new plan during Open Enrollment.
Across the country, the median proposed 2027 premium increase is about 15% (Peterson-KFF Health System Tracker). The extra federal subsidies that capped premiums at 8.5% of income expired at the end of 2025, and the 400% of poverty "subsidy cliff" is back for 2027 (Congressional Research Service). That makes reviewing your plan and your income estimate more important than usual. See our 2027 subsidy income limits guide.
How to enroll in Mississippi
Mississippi residents enroll through HealthCare.gov, the federal Marketplace. You can apply directly or use an approved enhanced direct enrollment site like HealthSherpa. You get the same plans, prices and tax credits either way. Using Larry's secure HealthSherpa link, you:
- Enter your Mississippi ZIP code, household size and estimated 2027 income.
- Compare Bronze, Silver, Gold and Platinum plans side by side, including premiums after tax credits, deductibles, doctors and prescriptions.
- Pick a plan, submit your application and pay your first premium to activate coverage.
Prefer to talk it through? Call 803-851-3589. Because of new 2027 federal rules, you'll confirm by electronic authorization that you want an agent to help with your application (CMS, Sept. 2026).
2027 Mississippi Marketplace insurers
- Ambetter from Magnolia Health
- Oscar
- UnitedHealthcare
Not every insurer sells plans in every county. Source: healthinsurance.org Mississippi Marketplace guide and state rate filings, September 2026.
Medicaid and the coverage gap in Mississippi
Mississippi has not expanded Medicaid. About 56,000 low-income adults are in the coverage gap: their income is too low for Marketplace tax credits, and they aren't eligible for Medicaid. If your household may qualify for Mississippi Medicaid and CHIP, you can apply any time of year. The Marketplace application will tell you if you're likely eligible.
Where we help in Mississippi
We enroll individuals, families, self-employed workers and early retirees across Mississippi, including Jackson, Gulfport, Hattiesburg, Southaven and Tupelo, plus rural counties. Everything is handled by phone and online, so there's no office visit.
Frequently asked questions
When is Open Enrollment for 2027 health insurance in Mississippi?
Open Enrollment for 2027 coverage in Mississippi runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
How much are ACA premiums going up in Mississippi for 2027?
Insurers' proposed 2027 rates in Mississippi average about 21.8% before subsidies, according to rate filings tracked by healthinsurance.org. What you actually pay depends on your plan, age, ZIP code and tax credit.
Which insurers sell Marketplace plans in Mississippi for 2027?
Insurers offering Mississippi Marketplace coverage for 2027 include Ambetter from Magnolia Health, Oscar, UnitedHealthcare. Availability varies by county.
Did Mississippi expand Medicaid?
Mississippi has not expanded Medicaid. About 56,000 low-income adults are in the coverage gap: their income is too low for Marketplace tax credits, and they aren't eligible for Medicaid.
Can a licensed agent help me enroll in Mississippi by phone?
Yes. Larry Hamilton (NPN #11384312) is licensed in Mississippi and helps residents compare and enroll in ACA Marketplace plans by phone or online at no extra cost.