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 investor 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.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: Property-inspection fall and exposure risk.
Worth being clear about what this does and does not affect: a carrier in Mississippi cannot ask what you do for a living, cannot charge a real estate investor more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area rather than by county, so counties in the same area price identically. Six counties from across Mississippi, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| 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 |
| Noxubee | $684 | Ambetter from Magnolia Health | $6,000 | 2 |
| Smith | $684 | Ambetter from Magnolia Health | $6,000 | 3 |
| Webster | $684 | Ambetter from Magnolia Health | $6,000 | 4 |
All six fall in the same rating area, so they price identically at $684. Statewide the range still 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 investor 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
A caveat on the table above: rating is by residence, not by job site. A real estate investor living in Mississippi and working across a state line still buys Mississippi plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
Self-employed Real Estate Investors in Mississippi typically deduct: Travel, property costs, legal and accounting fees. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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 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. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
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.
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 Investors 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 real estate investor on a Cigna or Molina plan is moving, and doing nothing just means the marketplace chooses the replacement.
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.
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 a real estate investor 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:
Coverage for Real Estate Investors is priced county by county across Mississippi. Enter your ZIP and a licensed agent will show you what is on the table.
★★★★★
“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.”