Mississippi Medicare Costs in 2026: Part B Plus Plan G

By Anthony Orner, Independent Licensed Medicare Insurance Broker · Mississippi filings pulled September 11, 2026, CSG Actuarial · Hinds County (ZIP 39120)

Hinds County is where Mississippi's Plan G bottoms out: a 65-year-old pays $318.01 to $460.90 a month for Part B and Plan G together (CSG Actuarial filings, pulled September 11, 2026). The $202.90 Part B premium is fixed by Medicare; the Plan G under it is filed by each of 23 carriers, from $115.11 at Bankers Fidelity (Atlantic Capital Life) to $258.00 at United American.

Federal law fixes what Plan G pays, so the $142.89 between those two lines is price and nothing else: $1,715 a year, $34,294 across twenty years before a single increase. Drive to Perry County and the same Bankers Fidelity (Atlantic Capital Life) policy is $138.13, $23.02 more than in Adams County. Alabama's equivalent gap is $18.38 and South Carolina's $10.29.

The carrier pays the broker; the premium is the filed rate with or without us.

Floor and Ceiling in Hinds County at 65

Either policy pays the $1,736 Part A deductible per benefit period and everything Medicare approves after you have paid the $283 Part B deductible, which neither G nor N covers. The Medicare half of each card is identical. The decision is the carrier half.

Behind Bankers Fidelity (Atlantic Capital Life) come Nassau Life Insurance Company at $130.39 and Insurance Company of North America (Chubb) at $131.60. The median Hinds County line is Washington National at $163.25; statewide the median is $167.88. Hinds County's $115.11 ranks 5 of 28 among the flagship counties we publish. Part D is not in these totals; it depends on the drug list.

The Bottom Line at 65, 70 and 75

Bankers Fidelity (Atlantic Capital Life) files $115.11 at 65, $120.93 at 70 and $143.69 at 75 in Hinds County, a 25% rise over ten years before any block filing. It is the cheapest line at each age shown. With Part B, a 75-year-old's bill runs $346.59 to $579.90.

Female, non-tobacco, individual, no household discount, ZIP 39120 in Hinds County; CSG Actuarial filings pulled September 11, 2026. A different sex, tobacco status or rating area produces a different table.

$23.02 Between Adams County and Perry County

Mississippi carriers file 15 rating areas across 82 counties. Bankers Fidelity (Atlantic Capital Life) is $115.11 in Adams County and Hinds County, DeSoto County, Rankin County, Madison County, Lee County, Lauderdale County, Lowndes County, and $138.13 in Perry County. That is $276 a year on the same carrier, the same plan letter and the same age. Among the 10 key counties below, Forrest County carries the highest low at $126.62. The lowest Mississippi bill with Part B included is $318.01.

Each county quoted at the ZIP with the largest land overlap; same profile as the Hinds County rows.

Plan N: Insurance Company of North America (Chubb) Leads, Not Bankers Fidelity (Atlantic Capital Life)

The lowest Plan N in Hinds County is Insurance Company of North America (Chubb) at $87.20, while Bankers Fidelity (Atlantic Capital Life), the Plan G leader, files Plan N at $90.57. Against the cheapest Plan G that is $27.91 a month, $335 a year, in exchange for up to $20 at some office visits, up to $50 at an ER that discharges you, and Part B excess charges, which Mississippi allows and Plan G pays. 23 carriers file Plan N here, $87.20 to $262.00, or $290.10 to $464.90 with Part B. Statewide, Plan N bottoms out at $87.20 in Adams County.

Same ZIP and profile as Plan G.

6 of 23 Carriers Discount a Second Policy

Mississippi household discounts run 11.1% to 20% at the 6 carriers that file one. HealthSpring National Health (HCSC) files the most, 20%, which brings $177.20 to $141.76. Bankers Fidelity (Atlantic Capital Life), the cheapest line for one person, files none. Once discounts apply, AARP / UnitedHealthcare is the lowest line at $136.71.

The other 17 carriers give nothing for a spouse. Definitions vary, and some require both adults to hold a policy with the same company, so a couple gets quoted both together and apart.

Mississippi Filings in 2026: 13 at 15% or More

CSG Actuarial's Mississippi records from January 2026 through September 2026 list 18 filings; 13 of the 18 Plan G entries are 15% or higher. Blue Cross Blue Shield leads at +36.7%, effective January 1, 2026. 6 of the large filings took effect in June 2026: AARP / UnitedHealthcare +20.5%, AARP / UnitedHealthcare +15.7%, Aflac (Tier One Insurance) +18.0%, Humana Insurance Company +19.6%, Humana Insurance Company +19.0%, State Farm +15.0%. 18 rows match a carrier in the Hinds County table; the rest carry no paired rate.

CSG Actuarial MedSupp filing records, January 2026 to September 2026. Effective dates may trail the report month. A row is a change to the carrier's whole Mississippi block.

Price today is half of it; the filing pattern is the other half, because at 21 attained-age carriers the block filing lands on top of each birthday step. The list for every state is at 2026 Medigap rate increases.

How Hinds County Carriers Rate Age, and Who Holds Which Plan

21 of 23 Hinds County carriers price on attained age, and 2 on a community basis. AARP / UnitedHealthcare at $161.59 and AARP / UnitedHealthcare at $167.88 are the community-rated lines, where age never enters the price. The highest Plan G filed anywhere in Mississippi is $273.81, from GPM Health and Life.

20 of the 23 carriers carry a 2026 effective date on their Hinds County rate; the latest is Bankers Fidelity (Atlantic Capital Life), September 1, 2026. The NAIC counted 160,499 Mississippi Medigap policies as of December 2023: 69,878 on Plan F and 72,094 on Plan G, nearly a dead heat, plus 11,896 on Plan N. Plan F is closed to anyone newly eligible since January 1, 2020, so this page prints no Plan F table.

Methodology

• Premiums are carrier filings pulled from CSG Actuarial on September 11, 2026 and rendered from the Mississippi data file. No figure is typed by hand.
• Profile: female, non-tobacco, individual, no household discount. Discounted lines apply the filed percentage.
• Hinds County (ZIP 39120) is the flagship county. Key counties are quoted at the ZIP with the largest land overlap; Adams County represents the 21-county rating area.
• Spread is the highest filing minus the lowest for one plan letter, age and county; twenty-year figures multiply the monthly spread by 240 and assume no increase.
• County-gap comparisons with other states use the same statistic, the spread between county lows at 65, from each state's own file.
• Carrier counts are whoever returned a filed quote for this profile on the pull date. Direct-to-consumer and guaranteed-issue rate classes are excluded.
• The Part B premium and both deductibles are 2026 CMS figures from a single file. Plan G does not pay the Part B deductible.
• Enrollment is statewide by plan letter as of December 2023, from the NAIC Medicare Supplement Experience Exhibit via AHIP May 2025 report.
• Filing rows are CSG Actuarial records for January 2026 to September 2026; a "No" row matched no carrier in the quote table and carries no rate.

Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in Mississippi and 34 other states. MedicareYourself (EasyKind Medicare) is an independent brokerage unaffiliated with Medicare, CMS or any carrier. The carrier pays the broker; the filed premium does not change.