The honest answer is that it depends on the individual plan rather than the carrier, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan in about ten minutes.
Free hospital check
Is Baptist Memorial in the plan you’re looking at? I’ll check for you.
Enter your ZIP code. I’ll check Baptist Memorial, and any doctors you name, against every 2026 marketplace plan filed in your county, then send you the plans that include them and the date I checked. It costs nothing, and I only call if you ask me to.
- Your ZIP code
- Who to check — Baptist Memorial is filled in
- My answer, usually the same day
Open Enrollment for 2027 opens November 1. Cigna and Molina are leaving Mississippi’s marketplace for 2027. If your plan is from either, it ends December 31, and the plan that replaces it may not include Baptist Memorial. I’ll check the 2027 plans for you before you choose.
Where Baptist Memorial operates
Baptist Memorial serves Southaven, New Albany, Booneville, Starkville, Oxford in Mississippi. These are the carriers filing marketplace plans in those markets for 2026, taken from the CMS landscape file:
| Market | Carriers filing | Counties with a PPO |
|---|---|---|
| Southaven | 5 | 0 of 1 |
| New Albany | 4 | 0 of 1 |
| Booneville | 3 | 0 of 1 |
| Starkville | 2 | 0 of 1 |
| Oxford | 3 | 0 of 1 |
Worth knowing: nowhere in Mississippi is a PPO sold on the marketplace at all. All 2,834 plans filed in Mississippi for 2026 are HMO (2,424) or EPO (410), so if Baptist Memorial is not in the network attached to the plan you buy, there is no out-of-network benefit to fall back on.
What is actually filed near Baptist Memorial
Plan supply and price vary county by county, and that variation is exactly what a price-sorted plan list hides:
| County | Market | Plans filed | Network types | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| DeSoto County | Southaven | 48 | HMO and EPO | $602 | $1,803 |
| Lafayette County | Oxford | 23 | HMO only | $634 | $1,899 |
| Oktibbeha County | Starkville | 16 | HMO only | $709 | $2,121 |
| Prentiss County | Booneville | 26 | HMO and EPO | $692 | $2,073 |
| Union County | New Albany | 41 | HMO and EPO | $676 | $2,025 |
Every plan filed in DeSoto County for 2026 is an HMO or an EPO — both restricted networks, and neither pays out-of-network. There is no PPO to fall back on, so if Baptist Memorial is outside the network attached to the plan you buy, there is no out-of-network benefit. Which plan you pick decides whether your hospital is covered.
Want cheaper coverage? Want better coverage? Not happy with what you have now? Same next step for all three — tell me your ZIP and the doctors you need covered, and I will check Baptist Memorial against every plan filed in your county.
PY2026 CMS filed data. Benchmark Silver is for a 40-year-old; the family figure is a four-person household before any premium tax credit. Your own premium depends on age, household, tobacco use and the credit you qualify for. Verify at enrollment.
Self-employed and need Baptist Memorial covered?
Yes, but the buying problem is different. A self-employed or 1099 household has no employer plan to fall back on and no HR department to check the network, so confirming that Baptist Memorial is in the specific plan you buy is entirely on you. You are buying in the individual market, and in DeSoto County there is no PPO on the marketplace at all. Every on-exchange plan is a restricted network, so there is no out-of-network benefit to absorb a mistake. If Baptist Memorial sits outside the network attached to the plan you pick, that is simply the year you have bought.
The numbers above the table are what that looks like here. Benchmark Silver for a 40-year-old in DeSoto County runs $602 a month, and a four-person household $1,803 — about $21,638 a year with no credit against it.
The second problem is that your income is a guess. Premium tax credits are calculated on what you project to earn next year — a number a 1099 earner, contractor or commission-paid household genuinely does not know in November. Above 400% of the federal poverty level there is no cap on repaying an advance credit, so a strong December can cost more than it earned. If your income moves, update the estimate on your exchange during the year rather than setting it once.
The mechanics of both — how the credit reconciles, and how to claim the self-employed premium deduction so an S-corp does not lose it — are the same wherever you live, so they live in one place rather than being repeated here: the self-employed premium deduction and subsidy reconciliation →
Two things decide your year here: whether Baptist Memorial is in the network of the specific plan you buy, and whether your income estimate holds. Getting the first wrong costs you access to the hospital; getting the second wrong costs you a bill in April.
Want cheaper coverage? Want better coverage? Not happy with what you have now? Same next step for all three — send me your ZIP and the doctors you need covered, and I will check Baptist Memorial against every plan filed in your county.
The Baptist Memorial hospitals in Mississippi
5 facilities, from the CMS Hospital General Information file (updated 22 July 2026). Listing them is not a statement about which plans contract with them — that is decided plan by plan.
| Hospital | City | County | Emergency services |
|---|---|---|---|
| Baptist Memorial Hospital Union County | New Albany | Union County | Yes |
| Baptist Memorial Hospital North Ms | Oxford | Lafayette County | Yes |
| Baptist Memorial Hospital Booneville | Booneville | Prentiss County | Yes |
| Baptist Memorial Hospital-Oktibbeha County | Starkville | Oktibbeha County | Yes |
| Baptist Memorial Hospital Desoto | Southaven | DeSoto County | Yes |
Why nobody can give you a straight list
A carrier is not a network. The same insurer sells a broad-network plan and a narrow one side by side in the same county, and Baptist Memorial can be contracted with one and not the other. A page telling you “Baptist Memorial accepts Carrier X” is describing one plan on one date, and usually states neither.
Contracts are renegotiated mid-year too. A system and an insurer can part company in March, and patients usually find out from a letter afterwards. That is why the only answer worth having is one dated to when it was checked.
How to settle it for your plan
- Get the exact plan name and network name from your marketplace listing, not just the carrier.
- Search that network in the carrier’s own provider directory, set to the correct plan year.
- Call Baptist Memorial billing and read them the plan name. They will tell you whether they are contracted. This is the step that actually decides it.
- Check your individual physicians separately — anaesthesia, radiology and pathology are frequently contracted apart from the hospital.
- Note the date and who confirmed it.
More in Mississippi
Hospital systems
Anderson Regional · Merit Health · North Mississippi Medical Center · Ochsner Health · Singing River Health System · Univ. of Mississippi Medical Center