ACA marketplace plans in Lafayette County, Mississippi (2026)
Lafayette County, Mississippi has 23 ACA marketplace plans from 3 insurers in 2026, with monthly premiums for a 40-year-old ranging from $608 to $1,039 and a benchmark (second-lowest-cost silver) plan at $634 per month.
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| Oscar Health Plan, Inc. | Bronze Classic Standard | Expanded Bronze | $475.39 | $607.53 | $1,290.17 | $7,500 | $10,000 |
| Oscar Health Plan, Inc. | Bronze Simple Chronic Care CKM | Expanded Bronze | $492.01 | $628.77 | $1,335.28 | $5,500 | $10,150 |
| Ambetter from Magnolia Health | Everyday Bronze | Expanded Bronze | $495.66 | $633.44 | $1,345.19 | $8,450 | $10,150 |
| Ambetter from Magnolia Health | Standard Expanded Bronze | Expanded Bronze | $497.29 | $635.52 | $1,349.61 | $7,500 | $10,000 |
| Oscar Health Plan, Inc. | Bronze Elite + PCP Saver Plus | Expanded Bronze | $509.48 | $651.11 | $1,382.71 | $0 | $10,600 |
| Ambetter from Magnolia Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $513.50 | $656.24 | $1,393.62 | $8,450 | $10,150 |
| Ambetter from Magnolia Health | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $515.19 | $658.40 | $1,398.20 | $7,500 | $10,000 |
| Ambetter from Magnolia Health | Choice Bronze HSA | Expanded Bronze | $538.29 | $687.92 | $1,460.89 | $7,250 | $7,250 |
| Ambetter from Magnolia Health | Choice Bronze HSA + Vision + Adult Dental | Expanded Bronze | $557.67 | $712.69 | $1,513.48 | $7,250 | $7,250 |
| Ambetter from Magnolia Health | Standard Gold | Gold | $665.30 | $850.24 | $1,805.60 | $2,000 | $8,200 |
| Ambetter from Magnolia Health | Everyday Gold | Gold | $673.32 | $860.49 | $1,827.37 | $800 | $7,250 |
| Oscar Health Plan, Inc. | Gold Classic Standard | Gold | $674.31 | $861.76 | $1,830.05 | $2,000 | $8,200 |
| Ambetter from Magnolia Health | Standard Gold + Vision + Adult Dental | Gold | $689.25 | $880.85 | $1,870.61 | $2,000 | $8,200 |
| Ambetter from Magnolia Health | Complete Gold | Gold | $696.78 | $890.47 | $1,891.03 | $1,450 | $7,500 |
| Ambetter from Magnolia Health | Everyday Gold + Vision + Adult Dental | Gold | $697.56 | $891.47 | $1,893.16 | $800 | $7,250 |
| Ambetter from Magnolia Health | Complete Gold + Vision + Adult Dental | Gold | $721.86 | $922.53 | $1,959.11 | $1,450 | $7,500 |
| Molina Healthcare | Molina Gold Standard | Gold | $813.07 | $1,039.10 | $2,206.66 | $2,000 | $8,200 |
| Oscar Health Plan, Inc. | Silver Simple | Silver | $492.91 | $629.93 | $1,337.74 | $6,300 | $9,300 |
| Oscar Health Plan, Inc. | Silver Classic Standard | Silver | $496.36 | $634.33 | $1,347.09 | $6,000 | $8,900 |
| Oscar Health Plan, Inc. | Silver Simple Chronic Care CKM | Silver | $499.37 | $638.19 | $1,355.28 | $5,900 | $10,150 |
| Ambetter from Magnolia Health | Standard Silver | Silver | $535.20 | $683.97 | $1,452.51 | $6,000 | $8,900 |
| Ambetter from Magnolia Health | Standard Silver + Vision + Adult Dental | Silver | $554.47 | $708.60 | $1,504.80 | $6,000 | $8,900 |
| Molina Healthcare | Molina Silver Standard | Silver | $632.71 | $808.61 | $1,717.19 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.