Ranked 11 of 17 states · median $773/mo · CMS PY2026
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A 40-year-old electrician in Mississippi pays a median $773/month for a Silver plan before subsidies — 11th of 17 on cost. The cheapest plan in the state is $598 from Oscar Health Plan in DeSoto. On highest out-of-pocket maximum, Mississippi ranks 16 of 17 for this occupation.
Trade work concentrates cost into rare, expensive events rather than spreading it across the year. That inverts the usual shopping logic: a lower premium with a $9,200 ceiling is a worse deal than a higher premium with a $6,000 one, because the ceiling is what you actually hit. These rankings follow the ceiling.
Occupational context: Arc flash and electrocution risk; falls; confined-space work.
None of that changes your price. ACA plans in Mississippi are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a electrician in one Mississippi county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Jackson | $655 | Cigna Healthcare | $4,000 | 4 |
| Perry | $661 | Ambetter from Magnolia Health | $6,000 | 4 |
| Carroll | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
| Covington | $684 | Ambetter from Magnolia Health | $6,000 | 4 |
| Jefferson | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
| Lincoln | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
The spread across just these six is $29/month — $348 a year for the same metal tier. Statewide the range runs $598 to $913. Coverage by County publishes all 82 Mississippi counties individually.
| Mississippi — worst-case exposure | 2026 |
|---|---|
| Lowest annual out-of-pocket maximum | $7,250 |
| Highest annual out-of-pocket maximum | $10,600 |
| Cheapest Gold plan @40 | $812 — Ambetter from Magnolia Health |
| Gold deductible | $2,000 |
| Cheapest Silver @40 | $598 — Oscar Health Plan |
| Cheapest Silver @50 | $836 |
For a electrician, the gap between $7,250 and $10,600 in annual out-of-pocket maximum is worth more than any premium difference on this page. One serious injury reaches that ceiling regardless of which plan you picked.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 2,834 plan records across 82 Mississippi counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Oklahoma ($731), Kansas ($765), Tennessee ($773). More expensive: Florida ($789), Utah ($805), Texas ($807).
Side-by-side: Mississippi vs Kansas · Mississippi vs Tennessee · Mississippi vs Florida · Mississippi vs Utah
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a electrician who moved this year, that move is a qualifying life event and opens a special enrollment period.
If you file a Schedule C as a electrician, the categories that usually show up are: Tools, van, licensing, liability insurance, materials. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The BLS median wage for Electricians in Mississippi is $57,300 a year (May 2024). Starting pay — the 10th percentile — is about $36,850. The middle half earn $45,160 to $60,870, and the top 10% more than $72,520. BLS counts about 5,650 people doing this work for an employer in Mississippi. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
The cheapest Silver plan for a 40-year-old in Mississippi is $598 per month from Oscar Health Plan, with a state median of $773. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
It cannot happen on an exchange plan. Rating in Mississippi uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
No. Only EPO and HMO plans were filed for 2026.
Mississippi ranks 11 of 17 states covered here, at a median $773 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation sits above the cliff in 6 of the 23 states reported and below it in the other 17, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Electricians (SOC 47-2111) in Mississippi. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed electrician. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.
This page compares states. For Mississippi specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Electricians in Mississippi and a blog covering deductibles, subsidies and special enrollment.
The biggest change here is two carriers walking away. Cigna and Molina leave Mississippi’s individual market on January 1, 2027 — two of the 5 carriers writing in Mississippi today. Every electrician on a Cigna or Molina plan is moving, and doing nothing just means the marketplace chooses the replacement.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Mississippi has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Mississippi and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
There is still no PPO on the Mississippi marketplace — not in any of its 82 counties. Every plan is an EPO or HMO, which for an electrician working across a wide area is the binding constraint, not price.
If you are with Cigna or Molina, you already know you are changing plans — both are leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made now than in the second week of December.
Enter a ZIP and a licensed agent will tell you three things:
Rates for Electricians in Mississippi are set by county, not by occupation. Start with your ZIP and a licensed agent will show you the plans actually filed where you live.
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