State profile · MS · CMS + NAIC
Insurance in Mississippi
How health insurers handle claims in Mississippi, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 16.6%
- Avg claims denied
- #20
- denial rank of 31
- $1200
- Avg auto / yr
- +23%
- Auto, 5-yr
- 5
- Insurers w/ data
The verdict
Marketplace insurers in Mississippi deny 16.6% of claims — below the 21% national average, the 20th-highest of 31 states, and drivers pay an average $1200 a year for auto cover, about the $1191 national average.
- 16.6%
- avg claims denied
- #20
- of 31 states
- $1200
- avg auto / yr
- 37%
- highest (UnitedHealthcare o)
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Mississippi
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- UnitedHealthcare of Miss
UnitedHealthcare of Mississippi, Inc.: 37.1% denied (62,706 of 168,852)
37.1 % of claims denied
- Cigna Health and Life
Cigna Health and Life Insurance Company: 29.3% denied (244,384 of 832,665)
29.3 % of claims denied
- Molina Healthcare of Mis
Molina Healthcare of Mississippi, Inc: 25.1% denied (67,126 of 267,296)
25.1 % of claims denied
- Primewell Health Service
Primewell Health Services of Mississippi, Inc.: 16.8% denied (18,502 of 109,820)
16.8 % of claims denied
- Ambetter of Magnolia 14.8
Ambetter of Magnolia Inc.: 14.8% denied (1,316,218 of 8,896,196)
14.8 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Mississippi. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Mississippi, by denial rate
5 insurers reporting marketplace claims in Mississippi
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | UnitedHealthcare of Mississippi, Inc. F | 168,852 | |
| 2 | Cigna Health and Life Insurance Company D | 832,665 | |
| 3 | Molina Healthcare of Mississippi, Inc D | 267,296 | |
| 4 | Primewell Health Services of Mississippi, Inc. B | 109,820 | |
| 5 | Ambetter of Magnolia Inc. B | 8,896,196 |
Auto insurance in Mississippi
Auto premiums in Mississippi are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $978 average expenditure
$978 avg expenditure
- 2020
2020: $979 average expenditure
$979 avg expenditure
- 2021
2021: $1004 average expenditure
$1,004 avg expenditure
- 2022
2022: $1061 average expenditure
$1,061 avg expenditure
- 2023
2023: $1200 average expenditure
$1,200 avg expenditure
What this shows Mississippi drivers' average auto cost rose 23% between 2019 and 2023.
What the data shows for Mississippi
Mississippi's marketplace insurers denied 16.6% of submitted claims in the CMS data, the 20th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Mississippi pay an average $1200 a year — more than the $1191 national average — split across $637 liability, $444 collision and $314 comprehensive premiums. That figure has moved up 23% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Mississippi can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Mississippi residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Mississippi's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.