Pearl, Mississippi: health insurance
Pearl is in Rankin County. Here is what Pearl residents should know about coverage.
Coverage in Pearl
Pearl has about 28,117 residents (U.S. Census Bureau 2023 estimate).
Plans for Pearl residents are determined by Rankin County, home to about 160,417 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Rankin County before you choose it.
- Turning 65 in Pearl? Your Initial Enrollment Period runs seven months around your birthday. Mississippi SHIP (State Health Insurance Assistance Program) offers free counseling at 1-844-822-4622.
- Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
- Medicaid questions? Mississippi Division of Medicaid handles applications.
Mississippi note: Because Mississippi has not adopted ACA Medicaid expansion, some adults who would qualify for Medicaid in most other states fall into a coverage gap -- too little income for a subsidized Marketplace plan, but above Mississippi's own stricter Medicaid limits, which is worth flagging early in a call.
Medicare plans leaving Rankin County for 2027
Medicare plans are set by county, so this applies to residents of this city. 10 plans are listed in Rankin County for 2026 but not for 2027, covering at least 1,435 people.
| Plan going away | Company | People enrolled (at least) |
|---|---|---|
| Wellcare Simple (HMO-POS) H1416-071 | Wellcare / Ambetter (Centene) | 506 |
| UHC Dual Complete MS-S001 (PPO D-SNP) H1889-011 | UnitedHealthcare | 364 |
| Wellcare Dual Access (HMO-POS D-SNP) H1416-034 | Wellcare / Ambetter (Centene) | 216 |
| UHC Dual Complete MS-S3 (PPO D-SNP) H1889-032 | UnitedHealthcare | 178 |
| Blue Advantage Capital (PPO) H1347-002 | BlueCross BlueShield of Alabama | 85 |
| Aetna Medicare Elite Giveback (PPO) H5521-477 | Aetna (CVS Health) | 47 |
See all 10 plans leaving Rankin County →
A plan can be listed because it was renumbered or replaced, not only because a company is leaving the county. When the same company keeps other plans there, members are usually moved to a replacement plan. Your plan should send you a notice, and Medicare’s Annual Enrollment Period (October 15 to December 7) is when you can compare and switch. “People enrolled” is the number enrolled in that plan today (CMS hides counts of 10 or fewer). Source: CMS Medicare Advantage and Part D landscape files for 2026 and 2027, and CMS enrollment data from September 2026.
Colleges and universities near Pearl
Mississippi public institutions include University of Mississippi, Mississippi State University, University of Southern Mississippi. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Mississippi colleges.
Do Pearl and Rankin County have the same plans?
Plans are offered by service area, and Pearl falls under Rankin County. A plan that serves Rankin County is generally the one that applies to you.
Do I have to enroll if I call?
No. A call is a conversation about your options.
Pearl residents: call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Other major Mississippi cities
Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.