Ranked 11 of 17 states · median $773/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old real estate agent 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 counties covered, Mississippi ranks 9 of 17 for this occupation.
Work that crosses county and state lines makes network geography the binding constraint. A cheap HMO that only contracts in one metro is worthless 200 miles away, so these pages rank states by network reach and flag the ones with no PPO on the exchange at all.
Occupational context: High driving exposure; irregular hours; showing-related risk.
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 real estate agent 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 |
|---|---|---|---|---|
| Sharkey | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
| Wayne | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
| Simpson | $704 | Cigna Healthcare | $4,000 | 4 |
| Hinds | $634 | Oscar Health Plan | $6,300 | 5 |
| Pontotoc | $653 | Ambetter from Magnolia Health | $6,000 | 4 |
| Stone | $655 | Cigna Healthcare | $4,000 | 4 |
The spread across just these six is $70/month — $841 a year for the same metal tier. Statewide the range runs $598 to $913. Coverage by County publishes all 82 Mississippi counties individually.
| Mississippi — network reach | 2026 |
|---|---|
| Counties in the state | 82 |
| Counties with only one carrier | 0 (0%) |
| Plan types available | EPO, HMO |
| PPO available on exchange | No |
| Carriers filing in the state | 5 |
| Cheapest Silver @40 | $598 — DeSoto |
Mississippi has no PPO plans on the exchange at all. For a real estate agent covering distance, that single fact outweighs premium: 0 of 82 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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 real estate agent who moved this year, that move is a qualifying life event and opens a special enrollment period.
Deduction categories that generally fit this trade: Vehicle, licensing, MLS dues, E&O insurance, marketing. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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 Real Estate Sales Agents in Mississippi is $50,460 a year (May 2024). Starting pay — the 10th percentile — is about $29,320. The middle half earn $37,330 to $85,900, and the top 10% more than $113,730. BLS counts about 710 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.
No. Mississippi exchange plans are guaranteed issue and community rated, so a real estate agent pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
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 is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Real Estate Sales Agents (SOC 41-9022) 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 real estate agent. 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 Real Estate Agents in Mississippi and a blog covering deductibles, subsidies and special enrollment.
Mississippi loses two carriers this cycle: Cigna and Molina are out of Mississippi’s individual market from January 1, 2027, leaving 3 filing here. For Real Estate Agents that is a forced decision, and a better one made in November than in January.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Mississippi rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
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.
One thing 2027 will not fix: no PPO is sold anywhere in Mississippi. All 82 counties offer EPO or HMO plans only, so care outside the network is effectively emergency-only. If your work as a real estate agent crosses county lines, weigh that above the premium.
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:
There is no single Mississippi price. Enter your ZIP and a licensed agent will pull what is filed in your county, then work out what help you qualify for.
★★★★★
“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.”