SimpliveraCoverage Companion
Mississippi · 2026 plan year

Gold health insurance plans in Mississippi

There are 14 Gold plans on the Mississippi Marketplace from 5 insurers, and they are not interchangeable — premiums run from $635 to $813 a month for the same metal tier. Here is what separates them.

14
Gold plans
5
Insurers
75
Counties covered
$635
Cheapest premium
$1,464
Average 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.

Mississippi Gold premiums rank 28th cheapest of 30.

Averaged across all 14 plans, Gold coverage in Mississippi costs $703 a month before subsidies — 28th lowest of the 30 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.

Lowest premiums

The cheapest Gold plans in Mississippi

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard GoldAmbetter from Magnolia Health$635$2,000$8,200
Gold Classic StandardOscar Health Plan, Inc.$640$2,000$8,200
Everyday GoldAmbetter from Magnolia Health$643$800$7,250
Standard Gold + Vision + Adult DentalAmbetter from Magnolia Health$658$2,000$8,200
Complete GoldAmbetter from Magnolia Health$665$1,450$7,500

Showing 5 of 14. See all Mississippi Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Ambetter from Magnolia Health6$635$659
UnitedHealthcare5$728$740
Cigna Healthcare1$732$732
Molina Healthcare1$813$813
Oscar Health Plan, Inc.1$640$640
Other tiers in Mississippi

How Gold compares to the rest

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

All MississippiMarketplace plans →

Nearby on price

States with similar Gold premiums

West Virginia
Avg $694
13 Gold plans
Alaska
Avg $708
5 Gold plans
Wyoming
Avg $807
7 Gold plans
Common questions

Mississippi Gold plans, answered

What are the copays on a Mississippi Gold plan?
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. Across the 14 Gold plans in Mississippi, deductibles average $1,464 and the out-of-pocket maximum averages $8,279. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Mississippi?
Any Mississippi Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,464 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Mississippi Gold plan?
The average across all 14 Gold plans in Mississippi is $1,464, with an average out-of-pocket maximum of $8,279. The range within the 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 Gold plans available in my Mississippi county?
Gold plans are sold in 75 Mississippi counties, from 5 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 Mississippi Marketplace plan?
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 Gold premiums in Mississippi start at $635 a month before any subsidy.

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