Mississippi long-term care insurance: cost & coverage

Who regulates long-term care insurance in Mississippi

Long-term care insurance policies sold in Mississippi are regulated by the Mississippi Insurance Department. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in Mississippi

Median assisted living cost in Mississippi vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

What each type of care costs in Mississippi

Assisted living is only one of the settings people use. Median monthly costs across the main care types in Mississippi:

Source: SeniorLiving.org Cost of Care Research (2026)

Mississippi's LTC Partnership program

Mississippi does not currently have an active LTC Partnership program. Mississippi enacted a Long-Term Care Partnership Program statute (Miss. Code §43-13-601 et seq., 2014) but has never implemented/activated it with CMS; the state is consistently listed among the small group without an active Partnership program (along with Alaska, Hawaii, Massachusetts, Utah, and D.C.).

Without a Partnership-qualified policy, benefits paid out don't create extra Medicaid asset protection. Learn more about how Partnership programs work and which states currently have one.

How Mississippi treats LTC premiums at tax time

Mississippi does give you something back for long-term care premiums, and it is a credit rather than a deduction. The Mississippi Department of Revenue allows a credit against individual income tax equal to 25 percent of the premiums you paid during the year on a qualified long-term care policy under Internal Revenue Code Section 7702B — but no more than $500, and no more than the income tax you actually owe, whichever of those is smaller. The cap applies per policy, so if you and your spouse are both covered on one policy, only that one policy earns a credit. Anything you cannot use is lost: Mississippi allows no carry-forward of the unused portion. You claim it as credit code 27 on Form 80-401.

Source: Mississippi Department of Revenue (2025)

This is general information, not tax advice. Confirm your own situation with a tax professional licensed in Mississippi.

Medicaid long-term care in Mississippi

Mississippi's Medicaid program is administered by the Mississippi Division of Medicaid, and if you need a nursing home or a home-and-community-based waiver you qualify under its Aged, Blind or Disabled long-term care category. The posture is tight. For 2026 your monthly income must be under $2,982 before deductions — an Income Trust can rescue you if you are over — and your countable resources must be under $4,000. A spouse who stays at home may keep up to $162,660 in combined countable resources plus a monthly income allowance of up to $4,066.50. Once you qualify in a nursing facility almost all your income goes to the facility; Mississippi leaves you a personal needs allowance of $44 a month. There is a five-year look-back, and estate recovery from age 55.

Source: Mississippi Division of Medicaid (2026)

Other Mississippi long-term care programs

• Elderly and Disabled (E&D) Waiver. Mississippi's Elderly and Disabled Waiver is the Medicaid program that pays for care at home instead of in a nursing facility. It is administered and operated by the Division of Medicaid's Office of Long Term Care, and the case management comes from your regional Planning and Development District, where a registered nurse and a licensed social worker screen and assess what you need. Three gates apply: you must be 21 or older, you must otherwise require the level of care a nursing facility provides, and you must qualify for Medicaid as an SSI beneficiary or meet the income and resource rules for income up to 300 percent of the SSI federal benefit rate. Covered services include personal care, adult day health care, home-delivered meals, in-home and institutional respite, physical and speech therapy, medication management and environmental safety services.
• Assisted Living Waiver. If assisted living is what you want, Mississippi has a Medicaid waiver for it. The Assisted Living Waiver lets a qualifying beneficiary live in a Personal Care Home-Assisted Living facility that the Mississippi State Department of Health licenses and that Medicaid has approved as a provider, and Medicaid reimburses for the services received in that facility: case management, personal care, homemaker services, attendant care, medication oversight and administration, intermittent skilled nursing, transportation and an attendant call system. The gates are age 21 or older, a clinical screening covering activities of daily living, sensory and cognitive deficits, behaviors and medical conditions, and Medicaid eligibility either as an SSI recipient or at income up to 300 percent of the SSI federal benefit rate.
• Mississippi Access to Care (MAC) Network. The Mississippi Access to Care Network is the state's single front door for long-term care questions, and it costs nothing to use. MAC Centers are places where you can get information and assistance locating long-term care services or applying for benefits, person-centered counseling, and screening for Medicaid waivers, and the network says that help is available regardless of your financial ability, at your local center, over the phone, or in your own home. The helpline is 1-844-822-4622. The network's site also offers a Service and Support Questionnaire to help you work out which services you need, and it names which agency runs which waiver, so you know whether your call belongs with Medicaid, Rehabilitation Services or Mental Health.
• Mississippi State Health Insurance Assistance Program (SHIP). Before you buy or change coverage, Mississippi will talk it through with you for free. The State Health Insurance Assistance Program is administered through the Mississippi Department of Human Services Division of Aging and Adult Services, with local Area Agencies on Aging and the MAC Network. Its counselors are trained to answer questions on Medicare, Medicaid, supplemental insurance and other coverage, compare policies, organize paperwork, and help with claims and appeals, and the state says the help is free, unbiased, confidential and available to anyone regardless of income. Call 1-844-822-4622. Know the shape of it: the counseling is built around Medicare, and exploring long-term care options is one item on that list.

How to compare quotes in Mississippi

• Confirm any agent or carrier you talk to is currently licensed to sell in Mississippi — the Mississippi Insurance Department can confirm licensing status.
• Ask which products a carrier is actively writing in Mississippi today — availability changes state by state and year to year. See carriers we compare.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Mississippi Insurance Department or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Mississippi's insurance regulations or Medicaid program.

Last updated: August 22, 2026