Health Coverage in Gulfport
Gulfport is in Harrison County, Rating Area 5. For 2026, 4 carriers filed 41 marketplace plans there: Ambetter from Magnolia Health, Cigna Healthcare, Molina Healthcare, UnitedHealthcare. Mississippi uses healthcare.gov, and every marketplace plan is guaranteed issue — your health history does not change your price or whether you can buy.
The 41 plans split by network type as HMO 31, EPO 10. There is no PPO filed in Harrison County, so outside a genuine emergency a plan pays only inside its own network. Check that the hospitals and doctors below are in a plan’s directory before you enrol, not after.
What Plans Cost in Gulfport
The figure a premium tax credit is calculated from is the benchmark — the second-cheapest Silver plan. In Harrison County a 40-year-old pays $657 a month for it at full price, and a family of four $1,968 a month — $23,620 a year before any credit.
| Tier | Premium / month | Deductible | Carrier |
|---|---|---|---|
| Expanded Bronze | $565 | $8,500 | Cigna Healthcare |
| Bronze | $563 | $10,600 | UnitedHealthcare |
| Silver | $655 | $4,000 | Cigna Healthcare |
| Gold | $840 | $2,000 | Ambetter from Magnolia Health |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.
Hospitals in Gulfport
Medicare’s hospital directory lists 2 acute-care or critical-access hospitals in Gulfport:
- Memorial Hospital at Gulfport — acute care hospital, emergency department, CMS overall rating 3 of 5
- Singing River Gulfport — acute care hospital, emergency department, CMS overall rating 2 of 5
That list says where the hospitals are, not which plans cover them. Network participation differs between plans from the same carrier, and it changes year to year, so check each hospital against the plan’s own provider directory before you choose. A licensed agent can run that check across every plan filed in Harrison County.
Source: CMS Hospital General Information (Care Compare). Ratings are CMS’s overall star rating where one is published.
What a Doctor Visit and an ER Visit Cost
For care that is not an emergency, the gap between tiers shows up in what a visit costs, not only in the premium. Across the plans filed in Harrison County for 2026:
- Silver (13 plans): a primary-care visit is most often a $40 copay (5 plans); an emergency-room visit is most often 40% coinsurance after the deductible (5 plans).
- Bronze (1 plans): a primary-care visit is most often no charge once the deductible is met (1 plans); an emergency-room visit is most often no charge once the deductible is met (1 plans).
- Gold (13 plans): a primary-care visit is most often a $30 copay (5 plans); an emergency-room visit is most often 25% coinsurance after the deductible (5 plans).
Urgent-care charges vary by plan and are not in the federal landscape file, so check a plan’s Summary of Benefits and Coverage before you rely on one.
Subsidy Eligibility in Gulfport
Premium tax credits are set by household income against the federal poverty level. For a single adult in 2026 they run from about $15,650 up to $62,600; for a family of four the upper limit is $128,600. Above 400% of poverty the credit stops completely — the enhanced rules that removed that cap expired on 31 December 2025, and above the line there is no cap on repaying a credit you turn out not to have earned.
Mississippi has not expanded Medicaid, which leaves a gap at the bottom of the scale: an adult earning below the poverty line can be too poor for a marketplace subsidy and still not qualify for Medicaid. If your income is near or below $15,650 as a single adult, check that before assuming you have no options.
Where you live does change the size of the credit, because it is calculated from the local benchmark: $657 a month in Harrison County for a 40-year-old.
More in Mississippi
- Health insurance in Harrison County
- Health insurance in Mississippi
- Mississippi plan comparison
- How much health insurance costs in Mississippi