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Mississippi Health Insurance

The availability of Mississippi health insurance plans is similar to the plans offered to other states serviced by each particular insurance company.  That company just has to be licensed to do business in Mississippi. Health insurance plans may be offered if you are with a group, so you do not have to be concerned about whether or not you will be accepted.  Individual plans are also available for Mississippi residents that often offer cost savings on health insurance policies for healthy persons.

Mississippi Health Insurance Plans

As with most companies your choice of plans will have names assigned to them by the insurance company that offers that plan.  The choice of plans will include the basic group options to include:

  • HMO – Health Maintenance Organization: Member much choose a primary care physician and get referrrals to see a specialist. No benefits are offered for out of network visits.

  • PPO – Preferred Provider Organization – With premiums, co-insurance and deductibles or network agreements with insurance companies with subscriber choice of in-network or out-of-network provider options.

  • POS – Point-of-Service – Where coverage is paid in advance with the benefit of reimbursement for qualified medical expenses (differences exist from one POS network to another).

  • Traditional – Fee-for-Service – Fees are paid at the time of service at a discount or with a reimbursement option. (Also known as an indemnity plan.)

  • HSA – Health Savings Account – For high deductibles, major medical, and/or auxiliary charges such as x-rays. HSA’s offer tax advantages not found in a traditional health insurance plan.

Groups generally pay approximately $335 per month per employee for a family plan.  Whichever Mississippi health plan you choose for your family, you want to make sure it covers your needs.  For instance, you want to make sure that it covers your wife’s pregnancy or your son’s allergy shots. 

Mississippi Health Insurance Under COBRA For Small Groups

The Federal Consolidated Omnibus Reconciliation Act (COBRA) requires employers with more than 20 employees to participate and offer COBRA to employees once they have separated from the company.  COBRA serves as a gap coverage until coverage becomes effective at the next place of employment.  Mississippi has a mini COBRA program that requires employers with 2-19 employees to offer COBRA upon separation from the company.

Mississippi Health Insurance For Uninsured Families

Uninsured families do have options when it comes to Mississippi health insurance.  There is a misconception that group health insurance is cheaper than individual Mississippi health insurance because more people is contributing to a group plan.  That statement is untrue because groups have to pay into a high risk pool which makes for a higher premium.  If your family is without Mississippi you can piece together a policy.

Most states, including Mississippi, have a Children’s Health Insurance Plan (CHIP) for uninsured children up to age 19.  These programs are federal programs that are based on your income.  In most states you have to be at 200% of the poverty level, but some states are relaxing those percentage guidelines.  The adults in the family can obtain individual or short term policies to fill in the gap. 

Mississippi Health Insurance For Uninsured Individuals

There is Mississippi health insurance for uninsured individuals as well.  Individuals do not have to go without health insurance just because they are not offered coverage through their employer or because they are between jobs.  More and more employers are opting out of offering Mississippi health insurance because of rising health care costs.  As a result many insurance companies are offering individual policies that are compatible to group policies.

With an individual policy you can detail your plan to suit your needs.  For example, if you are a single male, you can opt for a wellness plan that includes annual prostate exams.  You have no need for a maternity plan which will cost you extra.  If you are a healthy student, or recent graduate, you may not need annual mammograms or prostate exams that might be offered as a wellness option.  

Mississippi Health Insurance For Those With Pre-existing Conditions

Mississippi health insurance for those with preexisting conditions can be challenging.  It may seem almost impossible for those who have neither group coverage, nor COBRA.  Even with individual plans, transferring or obtaining new coverage can be challenging. 

Mississippi has a high risk pool.  The Mississippi Comprehensive Health Insurance Risk Pool Association (MCHIRPA) was established for those who can’t qualify for insurance because of health conditions.  The Health Insurance Portability and Accountability Act (HIPAA) make individuals eligible. 

You can learn more about anything mentioned in this article by clicking on the quote tool at the top of the page. That will give you free estimates on Mississippi health insurance plans that meet your needs. Go ahead!

Mississippi Health Insurance Companies

Some of the best Mississippi health insurance companies include:


Blue Cross Blue Shield of Mississippi


Clarendon National

Fortis / Assurant

Golden Rule (United Healthcare)

Humana One

Compare Mississippi Health Insurance Quotes Now!

You can learn more about anything mentioned in this article and receive free online Mississippi health insurance quotes by clicking on the quote tool at the top of the page.

That will give you free estimates on Mississippi health insurance plans that meet your needs and allow you to compare plans from top insurers side by side. Go ahead!

Find Mississippi health insurance today!