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Mississippi · 2026 plan year

Bronze health insurance plans in Mississippi (2026)

There are 18 Bronze plans on the Mississippi Marketplace from 4 insurers, and they are not interchangeable — premiums run from $441 to $532 a month for the same metal tier. Here is what separates them.

18
Bronze plans
4
Insurers
75
Counties covered
$441
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every Mississippi Bronze plan is HSA-eligible.

All 18 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

Mississippi Bronze premiums rank 30th cheapest of 35.

Averaged across all 18 plans, Bronze coverage in Mississippi costs $476 a month before subsidies — 30th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Mississippi in 2026

Across all 18 Bronze plans in Mississippi, monthly premiums run from $441 to $532, averaging $476. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Mississippi enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Mississippi

Bronze deductibles in Mississippi run from $5,500 to $10,600, with a median of $7,500 across the 15 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,533 because the spread is not symmetric. The other 3 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Mississippi

Individual out-of-pocket maximums on Mississippi Bronze plans run from $7,250 to $10,600, with a median of $10,150. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Mississippi

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
UHC Bronze Essential (No Referrals)UnitedHealthcare$441$10,600$10,600
Connect Bronze 8500 Indiv Med DeductibleCigna Healthcare$442$8,500$10,600
Connect Bronze 6500 Indiv Med DeductibleCigna Healthcare$443$6,500$10,600
Connect Bronze CMS StandardCigna Healthcare$448$7,500$10,000
Connect myDiabetesCare BronzeCigna Healthcare$449$5,500$10,150

Showing 5 of 18. See all Mississippi Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Ambetter from Magnolia Health6$473$496$7,250–$8,450
UnitedHealthcare5$441$480$7,500–$10,600
Cigna Healthcare4$442$446$5,500–$8,500
Oscar Health Plan, Inc.3$451$467$5,500–$7,500
Other tiers in Mississippi

How Bronze compares to the rest

Bronze
Avg $476 · from $441
18 plans · you are here
Silver
Avg $543 · from $468
16 plans
Gold
Avg $703 · from $635
14 plans

All MississippiMarketplace plans →

Nearby on price

States with similar Bronze premiums

Delaware
Avg $463
13 Bronze plans
Nebraska
Avg $500
54 Bronze plans
Alaska
Avg $540
6 Bronze plans
Common questions

Mississippi Bronze plans, answered

What are the copays on Mississippi Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 18 Bronze plans in Mississippi, out-of-pocket maximums run $7,250 to $10,600, and deductibles on the 15 plans with one combined deductible run $5,500 to $10,600. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Mississippi?
Any Mississippi Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Mississippi Bronze plans?
Bronze deductibles in Mississippi run from $5,500 to $10,600 across the 15 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 3 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,250 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Mississippi county?
Bronze plans are sold in 75 Mississippi counties, from 4 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Mississippi?
Mississippi uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Mississippi start at $441 a month before any subsidy.

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