MISSISSIPPI HEALTH INSURANCE
Starting in 2010, Mississippi started offering health care insurance coverage to residents through the federally established temporary high-risk pool program. Risk pools are state-sponsored programs to help people with a history of medical problems in their family to purchase coverage. These pools are for people who can afford to buy health insurance, but are not able to get underwritten in the private market because of a pre-existing health condition. These programs can vary significantly from state to state in price, benefits and number of people served. Often insurance companies doing business in the state are required to contribute to the pool to keep it in the black. In the best cases, they allow people to be able to switch jobs or become self-employed without the fear of losing their health insurance coverage.
MISSISSIPPI STATE GOVERNMENT HEALTH INSURANCE RESOURCES:
Mississippi and the Affordable Care Act — The state’s Web site to explain impacts of federal health care reform on Mississippians.
MO CHIP (Children’s Health Insurance Plan) — Designed to provide health care insurance for children in families without health insurance or with inadequate health insurance. It does not replace Medicaid; in fact, children on Medicaid are precluded from CHIP participation.
Mississippi Division of Medicaid — Information on health care for the state’s lowest income individuals and families.
Mississippi Insurance Department – Consumer information page — Links of interest to the state’s health insurance consumers.
MISSISSIPPI HEALTH PLANS
HealthInsurance works with Mississippi insurance providers that offer health insurance for individuals and families. Compare Mississippi individual and family health plans from various providers and select the plan best suited for your health care needs.
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN MISSISSIPPI
A new Mississippi private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE MS INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, Mississippi individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
STUDENT HEALTH INSURANCE
Choosing quality yet affordable health insurance in Mississippi can seem impossible at first. However, once you know what to look for it is easy enough to compare policies and choose the one that is best for you and your family’s needs. Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.