Mississippi
Cheapest ACA plans in Benton County, Mississippi for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Benton County, Mississippi has 5 on-exchange carriers offering 48 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Cigna Healthcare Connect Bronze 8500 Indiv Med Deductible at $589 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Benton County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Benton County |
|---|---|---|
| Expanded Bronze | $589 | 17 |
| Silver | $640 | 16 |
| Bronze | $649 | 1 |
| Gold | $812 | 14 |
The actual cheapest Bronze plan in Benton County
Cigna Healthcare Connect Bronze 8500 Indiv Med Deductible
$589/moFor a family of four (two 40-year-olds and two kids under 14): Cigna Health and Life Insurance Company Connect Bronze 6500 Indiv Med Deductible at $1,762/month before subsidies.
Carriers selling 2026 plans in Benton County
5 carriers sell 2026 plans on Healthcare.gov. 77 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| UnitedHealthcare | 15 |
| Ambetter | 14 |
| Cigna | 10 |
| Oscar | 7 |
| Molina Healthcare of Mississippi, Inc | 2 |
What you'll actually pay in Benton County
Estimated monthly net premium for the cheapest Bronze plan above ($589/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Benton Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $547/mo | $42/mo |
| $40,000 | 256% | $358/mo | $231/mo |
| $60,000 | 383% | $147/mo | $442/mo |
| $100,000 | 639% | — | $589/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $1,990/mo | $0/mo |
| $80,000 | 249% | $1,500/mo | $262/mo |
| $130,000 | 404% | — | $1,762/mo |
| $200,000 | 622% | — | $1,762/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Benton County, Mississippi for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Cigna Healthcare Connect Bronze 8500 Indiv Med Deductible at $589 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Mississippi use Healthcare.gov?
Yes. Mississippi participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Mississippi does not operate a state-based exchange.
Has Mississippi expanded Medicaid?
No. Mississippi has not adopted ACA Medicaid expansion. Mississippi Medicaid eligibility for non-disabled adults is extremely narrow (parents below roughly 27% FPL, pregnant women, and categorically needy groups), which leaves proportionally the largest coverage gap in the country.
How big is the Mississippi coverage gap?
Mississippi has one of the largest coverage gaps per capita in the US. Hundreds of thousands of adults earning below 100% FPL are not eligible for Medicaid under state rules and therefore cannot receive federal premium tax credits either. Options include federally qualified health centers, hospital charity care, and faith-based clinics.
More Mississippi pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Mississippi Insurance Department for rate review, carrier filings, and consumer guidance.
- Mississippi Division of Medicaid for state Medicaid eligibility under non-expansion rules.
- KFF: Mississippi State Health Facts for Medicaid expansion status, coverage gap estimates, and enrollment counts.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.