Medicare Advantage Plans Mississippi: Your 2027 Guide

Medicare Advantage plans Mississippi residents can join for 2027 are both more numerous and much cheaper on average. CMS counts 102 plans, up from 93, and the average monthly premium falls from $11.18 to $4.08. Mississippi also has an unusual rule for people under 65: if your Medicare Advantage plan ends, you get a guaranteed right to buy certain Medigap plans. This guide explains the 2027 numbers, that rule, and where to get free help before December 7.

Medicare Advantage plans Mississippi residents can choose in 2027

The CMS Mississippi fact sheet, dated September 28, 2026, says 657,224 Mississippians are enrolled in Medicare. Here is how the Medicare Advantage plans Mississippi offers for 2027 compare with 2026:

A dash means the fact sheet gives no 2026 figure. Figures are from the CMS Mississippi fact sheet dated September 28, 2026, and are shown for illustration only. They are not quotes or offers, and they can change. Confirm current numbers with Medicare.gov or a licensed agent.

Medicare Advantage Mississippi 2027: what the numbers tell you

Mississippi’s average premium drops by $7.10 a month, about 64%. The CMS 2027 press release projects a much smaller national fall, from $14.37 to $12.00. Nine more plans also come into the state while the national count slips slightly.

One number sets Mississippi apart: 35.24% of people in a stand-alone drug plan get Extra Help. Among the 50 states on the CMS fact sheets, only New York has a higher share. That tells you many Mississippians qualify for help with drug costs, and some who qualify may not have applied. If your income is limited, ask about Extra Help and Medicare Savings Programs before you compare premiums. Our Extra Help guide explains the program.

On the drug side, CMS says 58.93% of Mississippians in a stand-alone drug plan can find one with a lower premium than in 2026. If you keep Original Medicare, re-shop your Part D plan this fall.

If your Mississippi plan is ending

A net gain of plans does not mean every plan continues. If one of the Medicare Advantage plans Mississippi insurers sell is not renewing in your county, you should have received a notice. Your coverage continues through December 31, 2026. Then:

• Choose another plan during Open Enrollment, October 15 to December 7, 2026.
• Use the special window. Medicare.gov says that when a plan’s contract isn’t renewed, you can switch between December 8 and the last day of February.
• Return to Original Medicare and buy Medigap. Under the federal rule in the CMS Medigap guide, people 65 and older get 63 days after their plan ends to buy Plan A, B, D, G, K or L (C or F if eligible before 2020) without health questions.

If you do nothing, you return to Original Medicare on January 1 without drug coverage. Our guide on what to do when a Medicare Advantage plan is not renewing covers each deadline.

Mississippi Medigap rules if you leave Medicare Advantage

The Mississippi Insurance Department sets Medigap standards in its Medicare supplement regulation, Part 3, Chapter 10, issued under Miss. Code Ann. § 83-9-103.

• Open enrollment (Rule 10.11 A). Six months starting the first month you are both 65 or older and enrolled in Part B. Every Medigap policy an insurer sells must be available to you, without health questions.
• Guaranteed issue (Rule 10.12). Covers set events, including a Medicare Advantage plan leaving Medicare or your area, and the 12-month trial right if you are new to Medicare Advantage.
• No birthday or anniversary rule. We found no yearly switching right in the regulation. Outside protected windows, insurers can ask health questions.

So if you join one of the Medicare Advantage plans Mississippi sells at 65 and want Medigap years later, expect underwriting. Our Medicare supplement underwriting guide explains what insurers ask.

Mississippi Medigap under 65: the managed care rule

Federal law gives people under 65 no Medigap guarantees. Mississippi adds one. Rule 10.11 D says people eligible for Medicare by reason of disability before 65, who are enrolled in a managed care plan whose coverage ends through cancellation, nonrenewal or disenrollment, have “the guaranteed right to purchase” Medigap Plans A, B, C or F from any insurer within 63 days after the coverage ends.

Two limits apply. Insurers may set premium rates specific to people with disabilities, filed with and approved by the Commissioner. And federal law lets only people first eligible for Medicare before 2020 buy Plans C and F, so newer enrollees would generally choose between Plans A and B. Mississippi Medigap under 65 coverage can cost far more than the same plan at 65, so get quotes before you leave Medicare Advantage.

The rule says “managed care plan” rather than naming Medicare Advantage. If your plan type is unusual, ask the Mississippi Insurance Department before you rely on it. Keep your non-renewal letter, too: under Rule 10.12, people using a guaranteed issue right must send evidence of the date coverage ended with the Medigap application.

Hypothetical example (dates and CMS averages): a 52-year-old in Jackson with Medicare due to a disability gets a non-renewal letter. Coverage ends December 31, 2026. Counting 63 days: 31 days in January, 28 in February (59 days), and 4 in March reach 63, so the deadline is March 4, 2027. Applying in December lets Medigap start January 1. If she stays in Medicare Advantage instead at the state average, her yearly premium falls from $11.18 x 12 = $134.16 to $4.08 x 12 = $48.96, or $134.16 − $48.96 = $85.20 less, before Part B.

How to compare Medicare Advantage plans Mississippi insurers offer

With 102 Medicare Advantage plans Mississippi-wide, narrow the list to your ZIP code first. Open Enrollment runs October 15 to December 7, 2026, with coverage from January 1, 2027, per CMS. Then:

1. Use Medicare Plan Finder. Enter your ZIP code and every drug, and compare estimated yearly cost.
2. Call your doctors and hospital. Ask about the 2027 network by plan name.
3. Compare out-of-pocket maximums. A $0 premium can come with higher copays.
4. Check for Extra Help first. If you qualify, your drug costs and plan choices change.
5. Check timing and income. Our Medicare enrollment calculator maps your windows, and the Medicare IRMAA calculator estimates any income surcharge.

Our Medicare Part C guide explains HMOs, PPOs and special needs plans. If you pick a Medicare Advantage Mississippi 2027 plan and regret it, the Medicare Advantage Open Enrollment Period from January 1 to March 31 allows one change; see our guide to changing Medicare plans.

Mississippi SHIP Medicare counseling and other free help

The Mississippi Department of Human Services, Division of Aging and Adult Services, runs the State Health Insurance Assistance Program. Its SHIP page describes free, confidential, one-on-one counseling, in person or by phone, to compare health and drug plans, and says counselors can check eligibility for Medicare Savings Programs. They can also lay out Medicare Advantage Mississippi 2027 options side by side without selling you anything.

• Mississippi SHIP Medicare counseling: 1-844-822-4622 or 601-709-0624, Monday to Friday, 8 a.m. to 5 p.m.
• Mississippi Insurance Department: (800) 562-2957 or (601) 359-3569, listed on its Medicare page for counseling.
• Medicare: 1-800-633-4227, 24 hours a day.

Checklist before you choose for 2027

Use this list with any of the Medicare Advantage plans Mississippi insurers sell for 2027:

• Read your Annual Notice of Change or non-renewal letter.
• Confirm your doctors and hospital are in network for 2027.
• Check your drugs on the 2027 formulary.
• Compare out-of-pocket maximums, not just premiums.
• Ask SHIP whether you qualify for Extra Help or a Medicare Savings Program.
• If your plan ends and you are under 65, note your 63-day Medigap deadline.
• Book a free Mississippi SHIP Medicare counseling session if you are unsure.
• Keep your enrollment confirmation and new ID card.

Medicare Advantage plans Mississippi: frequently asked questions

How many Medicare Advantage plans are in Mississippi for 2027?

CMS counts 102, up from 93 in 2026. Your county will have fewer; Medicare Plan Finder lists them by ZIP code.

Can I get a $0-premium plan in Mississippi?

Yes. CMS says 100% of people with Medicare in Mississippi have access to a $0-premium Medicare Advantage plan in 2027. You still pay Part B and any copays.

Can I buy Mississippi Medigap under 65 if my plan ends?

Yes, if you have Medicare due to a disability and your managed care plan ends. Rule 10.11 D gives you 63 days to buy Plan A, B, C or F from any insurer, at rates the Commissioner approves.

Does Mississippi have a Medigap birthday rule?

No. We found no yearly switching right in the Mississippi regulation.

What if I miss the 63-day window?

Insurers can then ask health questions and may decline you. You could still join another Medicare Advantage plan in a valid enrollment period.

Where can I get unbiased help?

Mississippi SHIP at 1-844-822-4622. Counselors don’t sell plans.

Compare your options with a licensed agent

Octans Insurance is an independent agency based in Massachusetts. Our licensed agents work with 120+ carriers and can compare the Medicare Advantage plans Mississippi carriers offer in your county with Medigap options, at no fee to you. Call (617) 935-9220. For free, unbiased counseling, you can also call Mississippi SHIP at 1-844-822-4622 or 1-800-MEDICARE. Planning for family costs too? See our Mississippi life insurance guide, and read how we get paid.

Keep Reading: Related Guides

• Life insurance in Mississippi
• Medicare Part C
• Medicare Advantage plan not renewing
• Medicare enrollment calculator
• Unclaimed life insurance in Mississippi
• Mississippi Medicaid burial rules

We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

This article is for general information and is not tax, legal, or medical advice.

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