Mississippi Health Insurance

Find the right health insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


As a resident of Mississippi, you know there is much to enjoy here. A health crisis can put your idyllic life on hold - hospital stays, medication, and regular health appointments are expensive without the right insurance coverage. If you have children, regular checkups and vaccinations may be a good reason to carry Mississippi health insurance coverage. Mississippi has the highest obesity rate in the country, and many people here need consistent medical treatment to improve their health and get back into the workforce.

The majority of Mississippians get their health insurance through an employer, but you may be surprised to learn that when you work with an independent agent in the Trusted Choice® network, you could find more affordable health insurance options with ease. Consider contacting an independent agent right in your area.

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Mississppi Health Insurance Facts

  • 43% of residents receive health insurance through an employer
  • 20% of residents use Medicaid for health coverage
  • 12% of residents use Medicare for health coverage
  • 19% of the population is uninsured
  • Mississippi spends $19,384 million in healthcare each year

What Are My Coverage Options?

If your employer offers health coverage, you may have to choose what kind of health insurance plan you want. If you’re self-employed or your company doesn’t offer health insurance, you’re probably going to have to spend more time researching your options. The main health insurance plans include:

  • HMO (Health Maintenance Organization): This policy is available through group coverage as well as individual coverage. Your healthcare providers work within a network and you’re required to obtain a primary care physician. To see other providers, even if they’re within your network, requires a referral from your primary physician. Services sought outside of the network won’t be covered, but those within the network are offered at a discounted rate.
  • PPO (Preferred Provider Organization): This policy also works within a network of healthcare providers, but offers you flexibility on services obtained outside of the network. You’ll still choose a primary care physician, but referrals aren’t required. You can also obtain medical services outside of the network, but they will be more expensive. This policy is great if you desire flexibility, and it can still be affordable as long as you stay within the network.
  • HDHP/HSA (High Deductible Health Plan/Health Savings Account): This plan is very affordable, but offers limited coverage. Deductible amounts begin at $1,500, so if you don’t have access to this amount of money if an accident happens, it could be difficult to pay your initial medical bills. Your HSA works like a medical bank account and can be used to pay for co-pays, co-insurance amounts, and prescriptions. Your account balance grows with a tax-preferred status.
  • POS (Point of Service): As the initial model of health insurance, this policy offers great flexibility, but requires more work on your end of the process. You can visit any provider, but you’re responsible for initiating the claims process to receive reimbursement.
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Ready to Save On Insurance?

Our independent agents shop around to find you the best coverage.

Find Affordable Mississippi Medical Insurance Quotes

The importance of health insurance probably isn't lost on you, but cost can be a deterrent, especially if you’re looking for individual coverage. But the cost of going with health insurance can be greater, especially if you haven't sought treatment for an issue and it has escalated to the point of a medical emergency. At that point, medical bills are much greater than a monthly insurance premium.

To get reliable insurance advice and affordable healthcare coverage, contact an independent agent in the Trusted Choice network. The network includes 22,000 member agencies in 27,000 locations, meaning you get access to many more health insurance options than working with a “captive agent.” Find an agent near you today, and you'll be comparing Mississippi medical insurance quotes in no time.

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