Health Insurance Carriers in Mississippi (MS)
Mississippi has its own set of options regarding health insurance. For information on health insurance regulations and how they pertain to different types of coverage, see the basic information listed below. We have also provided a list of recommended carriers for the state of Mississippi.
Health Insurance Providers in Mississippi
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Security Life
Group Health Insurance in Mississippi
- Coverage can not be denied to eligible applicants, nor can they be charged more due to a health problem.
- Life changes dealing with family problems and job loss affect opportunities for group coverage.
- Employers may require a wait period before offering health coverage.
- Providers may review medical history for the six months previous to the start of coverage in order to assess pre-existing conditions. An exclusion period of up to 12 months may apply.
- If coverage was maintained without a break of over 63 days, creditable coverage is available.
Small Business Health Insurance in Mississippi
- Small businesses of up to 50 employees may not be denied or cancelled due to the health of the employee group.
- Limits are set on the price of premiums.
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Self-Employed Health Insurance in Mississippi
- The self-employed may not purchase small group health insurance.
- Rules which cover professional associations with group health coverage should be reviewed through the Mississippi Insurance Department.
Mississippi Insurance Department
P.O. Box 79
Jackson, MS 39205
(601) 359-2453
www.doi.state.ms.us
Individual Health Insurance in Mississippi
- Applicants with health problems may be denied coverage.
- Individual insurers may review medical history for the 12 months prior to coverage to asses a pre-existing condition.
- In cases of pre-existing conditions, an exclusion period of up to 12 months may be imposed or an elimination rider to the policy may be attached.
- Providers are not required to offer creditable coverage.
- There are no limits on the price of an individual policy.
- Providers may not cancel coverage due to sickness.
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Mississippi Health Care Programs
- Mississippi has a Comprehensive Health Insurance Risk Pool Association for eligible applicants.
- Medicaid, Children’s Health Insurance Program, Breast and Cervical Cancer Early Detection Program, and the Mississippi Department of Human Services provide assistance to low income residents.
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