Mississippi
Cheapest ACA plans in Laurel, Mississippi for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Laurel is in Jones County, Mississippi. 4 carriers sell 2026 ACA plans on Healthcare.gov for residents of Jones County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $587/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Jones County, including Laurel.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Laurel (Jones 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 Jones County |
|---|---|---|
| Bronze | $587 | 1 |
| Expanded Bronze | $599 | 14 |
| Silver | $661 | 13 |
| Gold | $821 | 13 |
The actual cheapest Bronze plan in Laurel
UnitedHealthcare UHC Bronze Essential (No Referrals)
$587/moFor a family of four (two 40-year-olds and two kids under 14): UnitedHealthcare UHC Bronze Essential (No Referrals) at $1,758/month before subsidies.
Carriers selling 2026 plans in Laurel
4 carriers sell 2026 plans on Healthcare.gov for Jones County residents. 70 plans total in Jones County.
| Carrier | On-exchange plans |
|---|---|
| UnitedHealthcare | 15 |
| Ambetter | 14 |
| Cigna | 10 |
| Molina Healthcare of Mississippi, Inc | 2 |
What you'll actually pay in Laurel
Estimated monthly net premium for the cheapest Bronze plan above ($587/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Jones 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% | $588/mo | $0/mo |
| $40,000 | 256% | $398/mo | $189/mo |
| $60,000 | 383% | $187/mo | $400/mo |
| $100,000 | 639% | — | $587/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | $1,975/mo | $0/mo |
| $80,000 | 249% | $1,485/mo | $273/mo |
| $130,000 | 404% | — | $1,758/mo |
| $200,000 | 622% | — | $1,758/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 Laurel, Mississippi for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is UnitedHealthcare UHC Bronze Essential (No Referrals) at $587 per month before subsidies. Plans sell through Healthcare.gov. Laurel is in Jones County, Mississippi; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Laurel's 2026 ACA pricing compare to other Mississippi cities?
Cheapest Bronze for a 40-year-old in Laurel is $587 per month before subsidies. For comparison: Jackson at $608/mo; Biloxi at $563/mo; Meridian at $586/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
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
- Statewide Mississippi pricing and metal tiers
- Jackson pricingcheapest Bronze $608/mo
- Biloxi pricingcheapest Bronze $563/mo
- Meridian pricingcheapest Bronze $586/mo
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.