Mississippi · 2026 plan year

Medicare Advantage HMO plans in Mississippi

There are 47 Medicare Advantage HMO plans in Mississippi from 10 carriers, averaging 3.56 out of 5 stars across the 42 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

47
HMO plans
10
Carriers
82
Counties covered
3.6
Avg stars (42 of 47 rated)
$7,059
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

53% of Mississippi's HMO plans are Special Needs Plans.

25 of 47 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.

Mississippi HMO plans rank 41st of 49 on star rating.

Across the 42 rated plans here the average overall rating is 3.56 stars, 41st highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated HMO plans in Mississippi

Showing 5 of 47. See all MississippiMedicare Advantage plans →

Who sells here

HMO plans by carrier

CarrierPlansAvg starsSNPs
Cigna HealthCareHealth Care Service Corporation94.13
WellcareCentene Corporation93.03
HumanaHumana Inc.84.35
Aetna MedicareCVS Health Corporation63.54
UnitedHealthcareUnitedHealth Group, Inc.53.74
Zing HealthZing Health Consolidator, Inc52.53
Molina Healthcare of ArizonaMolina Healthcare, Inc.22
American Health Advantage of MSMitchell Family Office11
Healthy Mississippi, Inc.Singh Holdings LLC1
Wellcare By AllwellCentene Corporation1
Other plan types in Mississippi

How HMO compares

All MississippiMedicare Advantage plans →

Nearby on quality

States with similar HMO star ratings

Common questions

Mississippi Medicare Advantage HMO plans, answered

How much do Medicare Advantage HMO plans cost in Mississippi?
Of the Mississippi HMO plans with a published premium, 96% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $7,059 across these plans.
What are the star ratings for Mississippi HMO plans?
The 42 rated HMO plans in Mississippi average 3.56 out of 5 stars, with 17 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Mississippi?
There are 47 HMO plans from 10 carriers, sold across 82 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 25 of them are Special Needs Plans with extra eligibility rules (see below).
Do Mississippi HMO plans include prescription drug coverage?
47 of the 47 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Mississippi?
25 of the 47 HMO plans in Mississippi are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Mississippi Medicare Advantage plans.

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