Before subsidies, the benchmark silver plan for a 40-year-old in Winston County cost about $709 a month for 2026, and the Mississippi average for 2027 is $814 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Winston County for 2026. Keep reading for what's sold in Winston County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Louisville
Licensed agents can compare plans available in Winston County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Louisville, MS
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $814/mo before subsidies |
| Winston County benchmark (2026) | $709/mo |
| Plans offered in Winston County (2026) | 31 |
| Plan types | HMO |
| Marketplace insurers in Mississippi (2027) | 3 |
| Medicaid expansion | No |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
Free enrollment help in Mississippi
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Mississippi?
For 2027, marketplace plans in Mississippi come from 3 insurers: Ambetter from Magnolia Health, Oscar Health and UnitedHealthcare. Not every insurer sells in every county.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Mississippi Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
How much is health insurance in Louisville?
Before subsidies, the benchmark silver plan for a 40-year-old in Winston County cost about $709 a month for 2026, and the Mississippi average for 2027 is $814 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Winston County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- Philadelphia, MS 24 miles
- Starkville, MS 27 miles
- Kosciusko, MS 31 miles
- West Point, MS 41 miles
- Columbus, MS 46 miles
- Meridian, MS 55 miles
- Aberdeen, MS 57 miles
- Forest, MS 58 miles
- Grenada, MS 63 miles
- Canton, MS 67 miles