Bronze
Lowest monthly premium of the tiers, with the most cost left to you when you use care. Often considered by people who mainly want protection from a large medical event.
Health Insurance Marketplace
Health Insurance for Every Stage Before Medicare
Individual and family Marketplace coverage for households not yet Medicare-eligible.
To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
Who this is for
Coverage between employer plans and Medicare
Marketplace coverage, sometimes called ACA or Affordable Care Act coverage, is individual and family health insurance you buy on your own rather than through an employer.
It is most often used by people who are self-employed, between jobs, retired earlier than 65, or part of a family without access to employer coverage. We help you compare the plans offered in your county and understand what each one asks of you at the doctor's office and the pharmacy.
Plan levels
Metal tiers, explained simply
Marketplace plans are grouped into metal tiers. The tier describes the general balance between what you pay monthly and what you pay when you use care — not the quality of the medical care itself.
Silver
A middle ground on premium and cost sharing. Silver is also the tier tied to additional cost-sharing reductions for some households.
Gold
Higher monthly premium with lower cost sharing when care is used. Often considered by people who see providers regularly.
Platinum
Highest monthly premium of the tiers with the lowest cost sharing. Availability varies by area and is not offered everywhere.
Cost
Premium assistance
Many households qualify to apply for tax credits that lower the monthly premium. Whether that applies to you depends on estimated household income, household size, and the plans offered where you live.
We can walk through how the credit works and what documentation the application asks for. To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
Timing
When you can enroll
The Open Enrollment Period runs November 1 – December 15 for the current plan year. That is the annual window when anyone eligible may enroll in or change a Marketplace plan.
Special Enrollment Periods open after qualifying life events such as losing a job or other coverage, marriage, or having a baby. These windows are limited in length, so it helps to start the conversation soon after the event.
Questions
Marketplace questions we hear most
To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
This page is general education. It is not a quote and not a guarantee of any premium assistance amount.
Need coverage before Medicare? Let's review your options.
No pressure, no obligation — just a conversation with a licensed insurance agent about the options available to you.
To speak with a licensed insurance agent, call (662) 210-2200. TTY: 711.
Medicare Compliance Statement
This website represents no obligation to enroll. Not affiliated with or endorsed by the government or Federal Medicare program. Magnolia Family Insurance is an independent insurance agency. We represent multiple insurance carriers to help you find the plan that best fits your needs.
Medicare has neither reviewed nor endorsed this information. As an independent agency, Magnolia Family Insurance offers comparison services to find the best plan for your needs from multiple carriers. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week, or consult www.medicare.gov.