Medicare Advantage Plans in Mississippi 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Mississippi has about 38 percent of Medicare beneficiaries in Advantage plans. The Jackson metro has the most plan options. Mississippi is a predominantly rural state, and provider network gaps are a real concern in many counties, particularly for specialist care.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Mississippi.
Rural Coverage Note
Parts of Mississippi have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Mississippi Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Mississippi
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Mississippi
Medigap is commonly chosen by Mississippi residents outside of Jackson, Gulfport, and Hattiesburg, where limited specialist networks in Advantage plans can make accessing care difficult.