ACA plans available
38
Plan year 2026
CMS Marketplace county · plan year 2026
Panola, Mississippi ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $605
- Silver avg/mo
- 38
- ACA plans
- 4
- Issuers
- +41.1%
- YoY premium
Silver avg $605/mo
Panola, Mississippi has 38 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $605/mo; Bronze averages $531/mo and Gold $765/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1255 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $520/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Panola, Mississippi ranks #1,255 of 2,055 counties by listed Silver average ($605/mo) and #1,283 of 2,055 by plan count (38 plans).
- #1,255 of 2,055
- Silver average among 2,055 counties
- $605
- Listed Silver average /mo
- #1,283 of 2,055
- Plan count among 2,055 counties
- 38
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Panola, Mississippi offers 38 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $481/mo and Silver plans start at $517/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$605
Avg Silver Premium/mo
$520
Benchmark Premium/mo
+41.1%
Year-over-Year Change
$4,926
Avg Deductible
Mid-pack marketplace
Panola marketplace standing
38 plans from 4 issuers for plan year 2026. Corpus place #1255 of 2055 (highest Silver = #1).
Mid-pack Silver avg $605/mo with 38 plans . YoY average shift: +41.1%. Every plan sold in Panola is HMO -- there's no alternative network type in this county, so weigh HMO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
14 plans$531/mo avg
$481 - $584
Silver
11 plans$605/mo avg
$517 - $672
Gold
13 plans$765/mo avg
$697 - $852
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Panola is $520/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.
Issuers in market
4
Competitive market
Benchmark Silver
$520 /mo
Sets your subsidy ceiling
Avg deductible
$4,926
Across all metal tiers
C
Marketplace Access Score
56/100
Panola
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability C+
$520/mo
Benchmark Silver premium; rank #1255 of 2055 tracked counties (cheapest first)
Plan Choice F
38 plans
ACA marketplace plan count; rank #1283 of 2055 tracked counties (most first)
Issuer Competition C
4 issuers
Distinct marketplace issuers; rank #855 of 2055 tracked counties (most first)
Cost Predictability C+
$4,926
Average deductible across tracked plans; rank #1275 of 2055 tracked counties (lowest first)
Panola ACA plans by premium and deductible
Each marker is the Panola 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.
Panola ACA marketplace plans: premium vs deductible
How Panola's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Panola vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$605 1255th of 2055 higher than 800 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Panola
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 15 | $663/mo |
| Ambetter Health | 14 | $625/mo |
| Oscar Health Plan, Inc. | 7 | $545/mo |
| Molina Healthcare | 2 | $758/mo |
All Plans in Panola
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $480.81 | $586.33 | $10,600 | $10,600 |
| Bronze Classic Standard Oscar Health Plan, Inc. | Expanded Bronze | HMO | $498.19 | $607.53 | $7,500 | $10,000 |
| Bronze Simple Chronic Care CKM Oscar Health Plan, Inc. | Expanded Bronze | HMO | $515.61 | $628.77 | $5,500 | $10,150 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $515.89 | $629.11 | $7,500 | $10,000 |
| Everyday Bronze Ambetter Health | Expanded Bronze | HMO | $519.44 | $633.44 | $8,450 | $10,150 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | HMO | $521.15 | $635.52 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $531.35 | $647.96 | $7,500 | $10,000 |
| Bronze Elite + PCP Saver Plus Oscar Health Plan, Inc. | Expanded Bronze | HMO | $533.93 | $651.11 | $0 | $10,600 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $537.15 | $655.03 | $0 | $10,600 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $538.14 | $656.24 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $539.91 | $658.40 | $7,500 | $10,000 |
| UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $552.60 | $673.88 | $0 | $10,600 |
| Choice Bronze HSA Ambetter Health | Expanded Bronze | HMO | $564.12 | $687.92 | $7,250 | $7,250 |
| Choice Bronze HSA + Vision + Adult Dental Ambetter Health | Expanded Bronze | HMO | $584.43 | $712.69 | $7,250 | $7,250 |
| Silver Simple Oscar Health Plan, Inc. | Silver | HMO | $516.56 | $629.93 | $6,300 | $9,300 |
| Silver Classic Standard Oscar Health Plan, Inc. | Silver | HMO | $520.17 | $634.33 | $6,000 | $8,900 |
| Silver Simple Chronic Care CKM Oscar Health Plan, Inc. | Silver | HMO | $523.33 | $638.19 | $5,900 | $10,150 |
| Standard Silver Ambetter Health | Silver | HMO | $560.88 | $683.97 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | HMO | $581.07 | $708.60 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $646.13 | $787.94 | $3,500 | $10,400 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $656.50 | $800.58 | $6,000 | $8,900 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | HMO | $656.91 | $801.08 | $0 | $10,150 |
| UHC Silver Advantage + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $661.59 | $806.78 | $3,500 | $10,400 |
| Molina Silver Standard Molina Healthcare | Silver | HMO | $663.08 | $808.61 | $6,000 | $8,900 |
| UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $672.36 | $819.93 | $0 | $10,150 |
| Standard Gold Ambetter Health | Gold | HMO | $697.23 | $850.24 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | HMO | $705.63 | $860.49 | $800 | $7,250 |
| Gold Classic Standard Oscar Health Plan, Inc. | Gold | HMO | $706.67 | $861.76 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $722.33 | $880.85 | $2,000 | $8,200 |
| Complete Gold Ambetter Health | Gold | HMO | $730.21 | $890.47 | $1,450 | $7,500 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $731.04 | $891.47 | $800 | $7,250 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | HMO | $756.50 | $922.53 | $1,450 | $7,500 |
| UHC Gold Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $794.45 | $968.80 | $2,000 | $9,300 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $801.39 | $977.27 | $0 | $9,300 |
| UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | HMO | $809.90 | $987.65 | $2,000 | $9,300 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $816.18 | $995.30 | $2,000 | $8,200 |
| UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $816.85 | $996.12 | $0 | $9,300 |
| 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 | $398/mo | $370 | $451 | 18 | 3 |
| 2023 | $402/mo | $378 | $453 | 15 | 3 |
| 2024 | $422/mo | $395 | $466 | 20 | 4 |
| 2025 | $436/mo | $388 | $497 | 16 | 4 |
| 2026 | $605/mo | $517 | $672 | 11 | 4 |
What this means for Panola
Use Panola's own numbers here, not a national average, before you enroll.
- $605/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 38 plans from 4 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Panola sit on Silver premiums vs other counties?
Panola ranks #1255 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $605/mo. See /methodology#corpus-placement.
How many ACA plans are available in Panola, MS?
There are 38 ACA marketplace plans available in Panola from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Panola?
The lowest-premium plan in Panola starts at $481/mo (Bronze tier, age 27). Silver plans start at $517/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Panola?
The benchmark (second-lowest Silver) premium in Panola is $520/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Panola premiums rise +41.1% year-over-year?
The average age-27 premium in Panola changed by +41.1% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Panola?
The average annual deductible across all plans in Panola is $4,926, and the average out-of-pocket maximum is $9,213. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Panola's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Panola, including UnitedHealthcare, Ambetter Health, Oscar Health Plan, Inc., and others. 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 Panola, MS's $520/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Panola, MS, both outside MS so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($520/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.