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

Using this year's service areas, 12 Mississippi counties would have Ambetter as their only marketplace insurer in 2027. They include Lowndes near Columbus, Oktibbeha near Starkville, Alcorn near Corinth, Adams near Natchez, plus Grenada, Yazoo, Tishomingo, Prentiss, Calhoun, Noxubee, Amite and Wilkinson. With just one insurer available, automatic marketplace placement offers no alternative company. Before December 15, look up your physicians directly in Ambetter's network to make sure your care is covered.

Larger communities retain somewhat more choice, although the selection still shrinks. Hinds, Madison and Rankin around Jackson, along with DeSoto near Memphis, would each have three marketplace insurers: Ambetter, Oscar and UnitedHealthcare. Harrison and Jackson counties on the Coast, Forrest around Hattiesburg and Lee around Tupelo would each retain just two companies, Ambetter and UnitedHealthcare.

We won't have the complete 2027 plan lineup until open enrollment. If another insurer enters your county, I'll revise this page. Mississippi offered no marketplace PPOs in 2026, so neither departure eliminates that plan type. For healthy residents paying full price, I'd compare a nationwide PPO quote, which I can provide here in Mississippi.

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

Your coverage doesn't end immediately just because the insurer is leaving. The existing policy continues through December 31, 2026, and you're entitled to written notice beforehand. Federal requirements call for at least 90 calendar days of notice when an insurer discontinues a plan, or at least 180 calendar days when it withdraws completely from a state's individual market. Haven't received anything yet? Contact your insurer and request the notice.

Here's where people often misunderstand the process. Under federal regulation 45 CFR 155.335, the marketplace may place you with another insurer when your current company has no remaining marketplace plan. That's permission, not a guarantee. State law and the regulator's instructions govern the transfer. Without specific direction, the marketplace chooses a "similar" plan. The regulation doesn't require anyone to verify that your doctors or medications are covered.

Purchased your coverage directly from the insurer rather than through the marketplace? Its automatic re-enrollment provisions don't apply to your policy. You'll have to select replacement coverage on your own.

HealthCare.gov opens enrollment November 1. You should receive 2 notices by that point, one from your insurer and another from the marketplace. The marketplace notice identifies any replacement plan you'll be placed in if you haven't acted by December 15. HealthCare.gov also warns that automatic re-enrollment doesn't happen in every situation.

Choose your replacement no later than December 15 to begin coverage January 1. Enrolling from December 16 through January 15 gives you a February 1 effective date. If your previous policy ends December 31, that means going without coverage for January.

You might still qualify to enroll after the regular window closes. HealthCare.gov recognizes discontinued coverage as a qualifying event, and federal regulations allow 60 days before and 60 days after your old plan's termination to select replacement coverage. I wouldn't rely on that as your first choice. Make sure you're eligible before planning around those dates.

What to do now

The way I'd approach this depends on your particular situation and where things stand for you. Whichever route makes sense, the next step is the same: let's talk on the phone before the deadline.

Scenario 1 of 2

Your income qualifies you for help with the premium

When your household qualifies for a premium tax credit, marketplace coverage is generally the more affordable route because you can't apply that credit anywhere else. Still, don't accept an automatic plan selection without checking it. Compare every remaining insurer in your county before December 15, and verify your prescriptions and doctors against the new plan's network. Your old plan's network doesn't determine what the new one covers.

Next step: Share your estimated income, medication list and doctors with me. I'll help you choose a Mississippi marketplace policy that fits before enrollment closes.

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

Scenario 2 of 2

You pay full price and you're healthy

If your income puts you outside the tax credit range, you're responsible for the entire marketplace premium, with your choices limited to the insurers serving your county. That's when I'd also consider private coverage. Medically underwritten plans use nationwide PPO networks, and their pricing reflects your health. Healthy applicants may pay less than the marketplace's unsubsidized rate. There are tradeoffs: insurers ask medical questions and can reject an application or exclude a preexisting condition. We'll review those details together before you decide.

Next step: Give me a call, and I'll compare a nationwide PPO quote for your household with the marketplace coverage offered in your Mississippi county.

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

You can still get a nationwide PPO in Mississippi

Regardless of which insurers remain on your county's marketplace, I can help you obtain a nationwide PPO in Mississippi. 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.

For healthy people paying the entire marketplace premium, it's worth comparing private, medically underwritten PPO coverage. These plans offer networks extending nationwide. I carry health insurance licenses in 36 states, including Mississippi.

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?

Possibly, but there's no guarantee. Federal rules permit the marketplace to assign a comparable plan from another insurer when state law and regulators allow it. HealthCare.gov specifically cautions that automatic re-enrollment isn't always available. And if your current coverage was purchased outside the marketplace, that process won't apply. My advice is to choose your replacement yourself.

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

To start coverage January 1 through HealthCare.gov, enroll by December 15. You have until January 15 before open enrollment ends, but selecting a plan after December 15 means it won't take effect until February 1.

Can I still get a PPO in Mississippi?

Yes. I can help you find a nationwide PPO available in Mississippi. 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.

Call me with your county, the people who need coverage and the details of your notice. I'll compare the remaining Mississippi marketplace plans with a nationwide PPO quote and help you decide before enrollment ends. I'm licensed in 36 states, and we can handle everything by phone.

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