Health insurance prices in Clay County, MS (2026)
41 marketplace plans from 4 insurers. Cheapest plan $586/mo; typical Silver $709/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 6.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $586–$713 (typical $636) · Silver $684–$820 (typical $709) · Gold $850–$1,039 (typical $969)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 14 | $633 | $657 | $696 | $886 | Everyday Bronze | |
| Cigna HealthcareCigna Group | 10 | $597 | $602 | $700 | $989 | Connect Bronze 8500 Indiv Med Deductible | |
| UnitedHealthcareUnitedHealth Group | 15 | $586 | $648 | $801 | $988 | UHC Bronze Essential (No Referrals) | |
| Molina Healthcare | 2 | $809 Silver | no Bronze | $809 | $1,039 | Molina Silver Standard |
All 41 plans in Clay County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $586 | $10,600 | $10,600 | $17,636 | |
| Cigna Healthcare | Connect Bronze 8500 Indiv Med Deductible | Expanded Bronze | EPO | $597 | $8,500 | $10,600 | $17,770 | |
| Cigna Healthcare | Connect Bronze 6500 Indiv Med Deductible | Expanded Bronze | EPO | $599 | $6,500 | $10,600 | $17,785 | |
| Cigna Healthcare | Connect Bronze CMS Standard | Expanded Bronze | EPO | $605 | $7,500 | $10,000 | $17,260 | |
| Cigna Healthcare | Connect myDiabetesCare Bronze | Expanded Bronze | EPO | $607 | $5,500 | $10,150 | $17,432 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $629 | $7,500 | $10,000 | $17,549 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | HMO | $633 | $8,450 | $10,150 | $17,751 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | HMO | $636 | $7,500 | $10,000 | $17,626 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | HMO | $648 | $7,500 | $10,000 | $17,776 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | HMO | $655 | $0 | $10,600 | $18,460 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $656 | $8,450 | $10,150 | $18,025 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | HMO | $658 | $7,500 | $10,000 | $17,901 | |
| UnitedHealthcare | UHC Bronze Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Expanded Bronze | HMO | $674 | $0 | $10,600 | $18,687 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $684 | $6,000 | $8,900 | $17,108 | |
| Ambetter (Centene) | Choice Bronze HSA | Expanded Bronze | HMO | $688 | $7,250 | $7,250 | $15,505 | |
| Cigna Healthcare | Connect Silver 4000 Indiv Med Deductible | Silver | EPO | $692 | $4,000 | $10,000 | $18,309 | |
| Cigna Healthcare | Connect Silver 6500 Indiv Med Deductible | Silver | EPO | $695 | $6,500 | $9,300 | $17,640 | |
| Cigna Healthcare | Connect Silver CMS Standard | Silver | EPO | $700 | $6,000 | $8,900 | $17,295 | |
| Cigna Healthcare | Connect myHeartCare Silver | Silver | EPO | $701 | $4,500 | $9,900 | $18,308 | |
| Cigna Healthcare | Connect myDiabetesCare Silver | Silver | EPO | $708 | $3,800 | $9,900 | $18,401 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $709 | $6,000 | $8,900 | $17,403 | |
| Ambetter (Centene) | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | HMO | $713 | $7,250 | $7,250 | $15,802 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | Silver | HMO | $788 | $3,500 | $10,400 | $19,855 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $801 | $6,000 | $8,900 | $18,507 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | HMO | $801 | $0 | $10,150 | $19,763 | |
| UnitedHealthcare | UHC Silver Advantage + ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | HMO | $807 | $3,500 | $10,400 | $20,081 | |
| Molina Healthcare | Molina Silver Standard | Silver | HMO | $809 | $6,000 | $8,900 | $18,603 | |
| UnitedHealthcare | UHC Silver Copay Focus+ $0 Indiv Med Ded ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | HMO | $820 | $0 | $10,150 | $19,989 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $850 | $2,000 | $8,200 | $18,403 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $860 | $800 | $7,250 | $17,576 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $881 | $2,000 | $8,200 | $18,770 | |
| Ambetter (Centene) | Complete Gold | Gold | HMO | $890 | $1,450 | $7,500 | $18,186 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $891 | $800 | $7,250 | $17,948 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | HMO | $923 | $1,450 | $7,500 | $18,570 | |
| UnitedHealthcare | UHC Gold Value ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | HMO | $969 | $2,000 | $9,300 | $20,926 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, No Referrals) | Gold | HMO | $977 | $0 | $9,300 | $21,027 | |
| UnitedHealthcare | UHC Gold Value + ($0 Virtual Urgent Care, $3 Tier 2 Rx, No Referrals) | Gold | HMO | $988 | $2,000 | $9,300 | $21,152 | |
| Cigna Healthcare | Connect Gold CMS Standard | Gold | EPO | $989 | $2,000 | $8,200 | $20,066 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $995 | $2,000 | $8,200 | $20,144 | |
| UnitedHealthcare | UHC Gold Copay Focus + $0 Indiv Med Ded ($0 Virtual Urgent Care, $5 Tier 2 Rx, Dental + Vision, No Referrals) | Gold | HMO | $996 | $0 | $9,300 | $21,253 | |
| Molina Healthcare | Molina Gold Standard | Gold | HMO | $1,039 | $2,000 | $8,200 | $20,669 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $586 | $636 | $713 | 15 | $7,500 | $10,150 | $17,751 |
| Silver | $684 | $709 | $820 | 13 | $4,500 | $9,900 | $18,401 |
| Gold | $850 | $969 | $1,039 | 13 | $2,000 | $8,200 | $20,066 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.