Silver health insurance plans in Mississippi (2026)
There are 16 Silver plans on the Mississippi Marketplace from 5 insurers, and they are not interchangeable — premiums run from $468 to $633 a month for the same metal tier. Here is what separates them.
Mississippi Silver premiums rank 20th cheapest of 35.
Averaged across all 16 plans, Silver coverage in Mississippi costs $543 a month before subsidies — 20th 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 Silver plan costs in Mississippi in 2026
Across all 16 Silver plans in Mississippi, monthly premiums run from $468 to $633, averaging $543. 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.
Silver plan deductibles in Mississippi
Silver deductibles in Mississippi run from $3,500 to $6,500, with a median of $6,000 across the 14 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 $5,286 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.
Silver out-of-pocket maximums in Mississippi
Individual out-of-pocket maximums on Mississippi Silver plans run from $8,900 to $10,400, with a median of $9,600. 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 Silver plans in Mississippi
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Silver SimpleOscar Health Plan, Inc. | $468 | $6,300 | $9,300 |
| Silver Classic StandardOscar Health Plan, Inc. | $471 | $6,000 | $8,900 |
| Silver Simple Chronic Care CKMOscar Health Plan, Inc. | $474 | $5,900 | $10,150 |
| Standard SilverAmbetter from Magnolia Health | $511 | $6,000 | $8,900 |
| Connect Silver 4000 Indiv Med DeductibleCigna Healthcare | $513 | $4,000 | $10,000 |
Showing 5 of 16. See all Mississippi Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Cigna Healthcare | 5 | $513 | $518 | $3,800–$6,500 |
| UnitedHealthcare | 5 | $592 | $604 | $3,500–$6,000 |
| Oscar Health Plan, Inc. | 3 | $468 | $471 | $5,900–$6,300 |
| Ambetter from Magnolia Health | 2 | $511 | $520 | $6,000 |
| Molina Healthcare | 1 | $633 | $633 | $6,000 |
How Silver compares to the rest
States with similar Silver premiums
Mississippi Silver plans, answered
What are the copays on Mississippi Silver plans?
Who is eligible for a Silver plan in Mississippi?
What is the deductible on Mississippi Silver plans?
Are Silver plans available in my Mississippi county?
When can I enroll in a Marketplace plan in Mississippi?
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