Benchmark $662/mo · ranked 18 of 23 · median wage $45,000
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
The benchmark premium for a 40-year-old in Mississippi is $662 a month for 2026, ranking 18 of 23 states published here. BLS reports a median annual wage of $45,000 for Locksmiths and Safe Repairers in Mississippi.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation is below the cliff in all 22 states reported.
What this figure is. It is the median annual wage BLS reports for Locksmiths and Safe Repairers (SOC 49-9094) 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 locksmith. 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.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $59,310 | below |
| 2 | Virginia | $455 | $57,990 | below |
| 3 | Indiana | $474 | $49,320 | below |
| 4 | Nevada | $497 | $54,330 | below |
| 5 | Ohio | $513 | $43,960 | below |
| 6 | Michigan | $523 | $58,570 | below |
| 7 | Colorado | $557 | $46,990 | below |
| 8 | South Carolina | $564 | $45,950 | below |
| 9 | Oklahoma | $604 | $45,170 | below |
| 10 | Wisconsin | $611 | $47,720 | below |
| 11 | Georgia | $615 | $61,610 | below |
| 12 | North Carolina | $638 | $42,190 | below |
| 13 | Utah | $640 | $47,690 | below |
| 14 | Alabama | $645 | $44,140 | below |
| 15 | Illinois | $646 | $47,360 | below |
| 16 | South Dakota | $655 | — | — |
| 17 | Texas | $661 | $44,700 | below |
| 18 | Mississippi | $662 | $45,000 | below |
| 19 | Kansas | $670 | $49,920 | below |
| 20 | Florida | $683 | $47,610 | below |
| 21 | Nebraska | $710 | $47,470 | below |
| 22 | Tennessee | $711 | $45,110 | below |
| 23 | Arkansas | $774 | $36,930 | below |
This page compares states. For Mississippi specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
Put your ZIP code in and a licensed agent will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to a licensed agent — not a call center.
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 locksmith on a Cigna or Molina plan is moving, and doing nothing just means the marketplace chooses the replacement.
Nobody can tell you your 2027 Mississippi premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Mississippi included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
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 a locksmith 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:
The sticker price is rarely what Locksmiths in Mississippi end up paying. Start with a ZIP and a licensed agent will work out your actual number.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”