ACA plans available
26
Plan year 2026
2026 data Public-data reference. official source
Lowndes, Mississippi Health Insurance
Open-data reference.
26 ACA plans from 3 issuers - Plan year 2026
Lowndes, Mississippi offers 26 ACA marketplace plans from 3 issuers for plan year 2026. Silver plans start at $561/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$584
Avg Silver Premium/mo
$568
Benchmark Premium/mo
+52.9%
Year-over-Year Change
$4,988
Avg Deductible
What the Numbers Say About Lowndes
Lowndes, Mississippi has 26 ACA marketplace plans offered by 3 issuers for plan year 2026. The average Silver-tier premium comes in at $584/mo for a 27-year-old non-tobacco user, with the lowest Silver at $561 and the highest at $663.
The benchmark (second-lowest Silver) premium is $568/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,988 and the average out-of-pocket maximum is $8,967 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Lowndes shifted by +52.9%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 3 issuers active in Lowndes, consumers have some competitive choice, though narrower than the most competitive counties. HMO is the most common network type in Lowndes, with EPO rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
8 plans$584/mo avg
$561 - $663
Gold
8 plans$751/mo avg
$697 - $852
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Lowndes is $568/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
3
Some competition
Benchmark Silver
$568 /mo
Sets your subsidy ceiling
Avg deductible
$4,988
Across all metal tiers
Lowndes ACA plans by premium and deductible
Each marker is the Lowndes average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Lowndes, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Lowndes
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Magnolia Health | 14 | $625/mo |
| Cigna Healthcare | 10 | $565/mo |
| Molina Healthcare | 2 | $758/mo |
All Plans in Lowndes
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Connect Bronze 8500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $489.95 | $597.48 | $8,500 | $10,600 |
| Connect Bronze 6500 Indiv Med Deductible Cigna Healthcare | Expanded Bronze | EPO | $490.97 | $598.72 | $6,500 | $10,600 |
| Connect Bronze CMS Standard Cigna Healthcare | Expanded Bronze | EPO | $496.14 | $605.03 | $7,500 | $10,000 |
| Connect myDiabetesCare Bronze Cigna Healthcare | Expanded Bronze | EPO | $497.61 | $606.82 | $5,500 | $10,150 |
| Everyday Bronze Ambetter from Magnolia Health | Expanded Bronze | HMO | $519.44 | $633.44 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter from Magnolia Health | Expanded Bronze | HMO | $521.15 | $635.52 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $538.14 | $656.24 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $539.91 | $658.40 | $7,500 | $10,000 |
| Choice Bronze HSA Ambetter from Magnolia Health | Expanded Bronze | HMO | $564.12 | $687.92 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter from Magnolia Health | Expanded Bronze | HMO | $584.43 | $712.69 | $7,250 | $7,250 |
| Standard Silver Ambetter from Magnolia Health | Silver | HMO | $560.88 | $683.97 | $6,000 | $8,900 |
| Connect Silver 4000 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $567.79 | $692.39 | $4,000 | $10,000 |
| Connect Silver 6500 Indiv Med Deductible Cigna Healthcare | Silver | EPO | $569.95 | $695.04 | $6,500 | $9,300 |
| Connect Silver CMS Standard Cigna Healthcare | Silver | EPO | $573.66 | $699.56 | $6,000 | $8,900 |
| Connect myHeartCare Silver Cigna Healthcare | Silver | EPO | $574.56 | $700.65 | $4,500 | $9,900 |
| Connect myDiabetesCare Silver Cigna Healthcare | Silver | EPO | $580.95 | $708.45 | $3,800 | $9,900 |
| Standard Silver + Vision + Adult Dental Ambetter from Magnolia Health | Silver | HMO | $581.07 | $708.60 | $6,000 | $8,900 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $663.08 | $808.61 | $6,000 | $8,900 |
| Standard Gold Ambetter from Magnolia Health | Gold | HMO | $697.23 | $850.24 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Magnolia Health | Gold | HMO | $705.63 | $860.49 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $722.33 | $880.85 | $2,000 | $8,200 |
| Complete Gold Ambetter from Magnolia Health | Gold | HMO | $730.21 | $890.47 | $1,450 | $7,500 |
| Everyday Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $731.04 | $891.47 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter from Magnolia Health | Gold | HMO | $756.50 | $922.53 | $1,450 | $7,500 |
| Connect Gold CMS Standard Cigna Healthcare | Gold | EPO | $810.87 | $988.83 | $2,000 | $8,200 |
| Molina Gold Standard Molina Healthcare | Gold | HMO | $852.09 | $1,039.10 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $397/mo | $370 | $451 | 23 | 3 |
| 2023 | $405/mo | $378 | $453 | 22 | 4 |
| 2024 | $411/mo | $395 | $427 | 20 | 4 |
| 2025 | $420/mo | $388 | $448 | 15 | 4 |
| 2026 | $584/mo | $561 | $663 | 8 | 3 |
Frequently Asked Questions
How many ACA plans are available in Lowndes, MS?
There are 26 ACA marketplace plans available in Lowndes from 3 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Lowndes?
Silver plans in Lowndes start at $561/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Lowndes?
The benchmark (second-lowest Silver) premium in Lowndes is $568/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Lowndes?
Average premiums in Lowndes changed by +52.9% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Lowndes?
The average annual deductible across all plans in Lowndes is $4,988, and the average out-of-pocket maximum is $8,967. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Lowndes?
There are 3 insurance issuers offering ACA marketplace plans in Lowndes, including Ambetter from Magnolia Health, Cigna Healthcare, Molina Healthcare. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Lowndes, MS's $568/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
