2027 marketplace changes in Mississippi

Which insurance companies are leaving the Mississippi marketplace in 2027

Who is leaving, what's left in your county, and what to do before the deadline. Last checked October 5, 2026.

The short answer

One insurance company is confirmed as leaving the Mississippi marketplace for 2027, and one more is reported to be leaving.

Cigna (confirmed). Cigna is leaving the individual market in Mississippi on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. In 2026 it sold marketplace plans in 41 of Mississippi's 82 counties. source
Molina (reported). Molina is reported to be leaving the Mississippi marketplace: it filed 2026 rates but has no 2027 filing on the federal rate review site. In 2026 it sold marketplace plans in 82 of Mississippi's 82 counties. source

Altogether, 82 of Mississippi's 82 counties lose at least one marketplace insurer. In 12 of them, only one marketplace insurer is left.

Where you'll have the fewest choices

In 12 counties, only Ambetter would still be selling marketplace plans for 2027, based on this year's service areas. That list includes Lowndes County around Columbus, Oktibbeha County around Starkville, Alcorn County around Corinth, Adams County around Natchez, and Grenada, Yazoo, Tishomingo, Prentiss, Calhoun, Noxubee, Amite and Wilkinson. If you're automatically moved in one of those counties, there is only one company to move you to, so look up your doctors in that network yourself before December 15.

The bigger areas fare better, but not by much. Around Jackson, in Hinds, Madison and Rankin, and up in DeSoto County near Memphis, three companies would still be selling: Ambetter, Oscar and UnitedHealthcare. On the Coast in Harrison and Jackson counties, around Hattiesburg in Forrest County and around Tupelo in Lee County, you'd be down to two, Ambetter and UnitedHealthcare.

The full 2027 plan list won't post until open enrollment, and if a new company shows up in your county, I'll update this page. Mississippi's marketplace had no PPO plans in 2026, so neither exit takes one away. If you're healthy and paying full price, that's exactly why a nationwide PPO is worth pricing, and you can get one in Mississippi through me.

What's left in your county

These are the 82 Mississippi counties where at least one marketplace insurer is leaving. For each one you can see who's leaving, how many marketplace insurers are left, and which ones.

Down to one insurer: Adams, Alcorn, Amite, Calhoun, Grenada, Lowndes, Noxubee, Oktibbeha, Prentiss, Tishomingo, Wilkinson and Yazoo counties are left with only Ambetter (Centene) on the marketplace.

The Mississippi marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

See every county that loses an insurer

County	Insurer leaving	Insurers left	Who's left (2026 plans)	Marketplace PPO after
Adams	Molina	1 (only one)	Ambetter (Centene)	No
Alcorn	Cigna; Molina	1 (only one)	Ambetter (Centene)	No
Amite	Molina	1 (only one)	Ambetter (Centene)	No
Attala	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Benton	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Bolivar	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Calhoun	Cigna; Molina	1 (only one)	Ambetter (Centene)	No
Carroll	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Chickasaw	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Choctaw	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Claiborne	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Clarke	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Clay	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Coahoma	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Copiah	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Covington	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
DeSoto	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Forrest	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Franklin	Molina	2	Ambetter (Centene); UnitedHealthcare	No
George	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Greene	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Grenada	Molina	1 (only one)	Ambetter (Centene)	No
Hancock	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Harrison	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Hinds	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Holmes	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Humphreys	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Issaquena	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Itawamba	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Jackson	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Jasper	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Jefferson	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Jefferson Davis	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Jones	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Kemper	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lafayette	Molina	2	Ambetter (Centene); Oscar	No
Lamar	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lauderdale	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lawrence	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Leake	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lee	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Leflore	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lincoln	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Lowndes	Cigna; Molina	1 (only one)	Ambetter (Centene)	No
Madison	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Marion	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Marshall	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Monroe	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Montgomery	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Neshoba	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Newton	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Noxubee	Molina	1 (only one)	Ambetter (Centene)	No
Oktibbeha	Molina	1 (only one)	Ambetter (Centene)	No
Panola	Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Pearl River	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Perry	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Pike	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Pontotoc	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Prentiss	Cigna; Molina	1 (only one)	Ambetter (Centene)	No
Quitman	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Rankin	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Scott	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Sharkey	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Simpson	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Smith	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Stone	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Sunflower	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Tallahatchie	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Tate	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Tippah	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Tishomingo	Cigna; Molina	1 (only one)	Ambetter (Centene)	No
Tunica	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Union	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Walthall	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Warren	Cigna; Molina	3	Ambetter (Centene); Oscar; UnitedHealthcare	No
Washington	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Wayne	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Webster	Cigna; Molina	2	Ambetter (Centene); UnitedHealthcare	No
Wilkinson	Molina	1 (only one)	Ambetter (Centene)	No
Winston	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Yalobusha	Molina	2	Ambetter (Centene); UnitedHealthcare	No
Yazoo	Molina	1 (only one)	Ambetter (Centene)	No

County data: CMS 2026 marketplace plan data source. Insurers are counted by company, and the table uses each company's 2026 service area, so a company that enters or expands for 2027 isn't counted yet. I'll update it when the 2027 plan list publishes in late October.

What happens to your plan

When an insurance company leaves, your plan doesn't stop overnight. It runs through December 31, 2026, and the company has to tell you in writing first. Federal rules require at least 90 calendar days notice when a company drops a plan, and at least 180 calendar days when it leaves a state's individual market entirely. If your company is leaving and you haven't seen that letter, call the company and ask for it.

What happens next is the part people get wrong. If no plan from your company is left on the marketplace, the federal rule (45 CFR 155.335) says the marketplace may move you to a plan from a different company. It doesn't say it will. The move has to fit state law, it follows the state regulator's direction, and without that direction the marketplace picks a "similar" plan. Nothing in that rule checks your doctors or your prescriptions.

If you bought your plan straight from the company, off the marketplace, the marketplace's re-enrollment rule doesn't reach you at all. You need to pick a new plan yourself.

Open enrollment on HealthCare.gov starts November 1. By then you should get 2 letters: one from your current company and one from the marketplace. The marketplace letter tells you which plan, if any, you'll be moved into if you do nothing by December 15. HealthCare.gov is plain that in some cases you won't be automatically re-enrolled.

Pick by December 15 and your new plan starts January 1. Pick between December 16 and January 15 and it starts February 1, which leaves January uncovered if your old plan ended December 31.

Miss open enrollment and you may still have a way in. Losing a plan because it's discontinued is on HealthCare.gov's list of qualifying events, and the federal rule gives you 60 days before and 60 days after the day your old coverage ends to pick a new plan. Don't build your plan around that window. Confirm you qualify before you count on it.

What to do now

Here's how I'd think about it, depending on where you are. Each path ends the same way: a call with me before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

If your household income qualifies you for the premium tax credit, the marketplace is usually where your most affordable coverage is, because that's the only place the credit can be used. So don't let the marketplace pick for you. Re-shop before December 15, look at every company still selling in your county, and check your doctors and prescriptions against the network of the plan you choose, not the one you had.

Next step: Send me your doctors, your prescriptions and your income estimate, and I'll help you pick the right Mississippi marketplace plan before the deadline.

Talk it through with Sam → Call 813-999-0101

Scenario 2 of 2

You pay full price and you're healthy

If you earn too much for the credit, you're paying the full marketplace price, and now you're paying it for whatever is left in your county. You have another option. Private plans with medical underwriting run on nationwide PPO networks and are priced on your health, which is how the price for a healthy person can come in under the marketplace's full rate. They ask health questions up front, and the company can decline you or leave out a past condition, so we go through the details together before you choose.

Next step: Call me and I'll price a nationwide PPO for your household next to the Mississippi marketplace plans in your county.

Talk it through with Sam → Call 813-999-0101

You can still get a nationwide PPO in Mississippi

Whatever the marketplace looks like in your county, you can still get a nationwide PPO in Mississippi through me. The Mississippi marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

Private PPO plans with medical underwriting use networks that work across the country, and for a healthy person who pays full price on the marketplace, they're often worth pricing. I'm licensed in 36 states, and Mississippi is one of them.

Questions about insurers leaving Mississippi

Straight answers, no sales pitch.

Which insurance companies are leaving the Mississippi marketplace in 2027?

Cigna (confirmed) and Molina (reported). Altogether, 82 of Mississippi's 82 counties lose at least one marketplace insurer.

If my insurance company leaves, will I be moved to a new plan automatically?

Maybe, but don't count on it. The federal rule says the marketplace may move you to a similar plan from a different company, as state law and your state regulator allow. HealthCare.gov says that in some cases you won't be automatically re-enrolled, and if you bought off the marketplace, nobody moves you. Pick your own plan.

What's the deadline to pick a new Mississippi plan for 2027?

On HealthCare.gov, pick by December 15 for coverage that starts January 1. Open enrollment runs to January 15, but a plan picked after December 15 starts February 1.

Can I still get a PPO in Mississippi?

Yes. You can still get a nationwide PPO in Mississippi through me. The Mississippi marketplace had no PPO plans in 2026, so none of the exits takes a PPO away; you just have fewer HMO, EPO and similar plans to pick from.

Sources

Cigna sold individual marketplace plans in 41 of 82 Mississippi counties in 2026 (CMS 2026 plan data, counted by company) source
Cigna is leaving the individual market in Mississippi on January 1, 2027, on and off the marketplace, as part of the nationwide exit it announced in April 2026. source
Molina sold individual marketplace plans in 82 of 82 Mississippi counties in 2026 (CMS 2026 plan data, counted by company) source
Molina is reported to be leaving the Mississippi marketplace: it filed 2026 rates but has no 2027 filing on the federal rate review site. source
After the confirmed and reported exits, 82 of 82 Mississippi counties lose at least one marketplace insurer and 12 are left with one, counting the 2026 plans of the companies that stay (CMS 2026 plan data) source
Mississippi marketplace PPO plans in 2026: 0 of 82 counties; after the confirmed exits: 0 (CMS 2026 plan data) source
HealthCare.gov says that by November 1 you should get 2 letters, one from your current insurance company and one from the Marketplace, and that in some cases you won't be automatically re-enrolled source
45 CFR 155.335(j)(3): when no plans from the same insurer are available, the Exchange "may enroll the enrollee in a QHP issued by a different issuer, to the extent permitted by applicable State law", as the state regulator directs or, if it does not, "in a similar QHP from a different issuer, as determined by the Exchange" source
HealthCare.gov open enrollment starts November 1; enroll by December 15 for coverage that starts January 1, or December 16 to January 15 for coverage that starts February 1 source
45 CFR 155.420: losing coverage is a triggering event, the loss date is the last day of the old plan's coverage, and the person has 60 days before and 60 days after it to pick a new plan source
HealthCare.gov lists "Your individual plan or your Marketplace plan is discontinued (no longer exists)" as a qualifying event for a special enrollment period source
45 CFR 147.106: an insurer that drops a product must give written notice at least 90 calendar days before coverage ends; one that leaves a state's individual market entirely must give at least 180 calendar days notice and cannot return to that market for 5 years source
Cigna's 41 Mississippi counties in 2026 were all also Molina counties, so 41 counties lose both companies if Cigna's confirmed exit and Molina's reported exit both happen (CMS 2026 plan data) source
Counting the 2026 plans of the companies that stay, Hinds, Madison, Rankin and DeSoto counties keep 3 marketplace insurers (Ambetter, Oscar and UnitedHealthcare), and Harrison, Jackson, Forrest and Lee keep 2 (Ambetter and UnitedHealthcare) source

Last checked October 5, 2026. I update this page when the 2027 plan list publishes in late October.

Got a letter? Bring it to the call.

Tell me your county, who's on your plan and what your letter says. I'll show you what's left on the Mississippi marketplace, price a nationwide PPO next to it, and help you pick before the deadline. I'm licensed in 36 states and work by phone.

Book a free call → Call 813-999-0101 Send a message