Gold health insurance plans in Mississippi (2026)
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.
Mississippi Gold premiums rank 32nd cheapest of 35.
Averaged across all 14 plans, Gold coverage in Mississippi costs $703 a month before subsidies — 32nd 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.
What a Gold plan costs in Mississippi in 2026
Across all 14 Gold plans in Mississippi, monthly premiums run from $635 to $813, averaging $703. 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.
Gold plan deductibles in Mississippi
Gold deductibles in Mississippi run from $800 to $2,000, with a median of $2,000 across the 12 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 $1,708 because the spread is not symmetric. The other 2 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.
Gold out-of-pocket maximums in Mississippi
Individual out-of-pocket maximums on Mississippi Gold plans run from $7,250 to $9,300, with a median of $8,200. 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.
The cheapest Gold plans in Mississippi
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-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 →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Ambetter from Magnolia Health | 6 | $635 | $659 | $800–$2,000 |
| UnitedHealthcare | 5 | $728 | $740 | $2,000 |
| Cigna Healthcare | 1 | $732 | $732 | $2,000 |
| Molina Healthcare | 1 | $813 | $813 | $2,000 |
| Oscar Health Plan, Inc. | 1 | $640 | $640 | $2,000 |
How Gold compares to the rest
States with similar Gold premiums
Mississippi Gold plans, answered
What are the copays on Mississippi Gold plans?
Who is eligible for a Gold plan in Mississippi?
What is the deductible on Mississippi Gold plans?
Are Gold plans available in my Mississippi county?
When can I enroll in a Marketplace plan in Mississippi?
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