Health Insurance in Hattiesburg

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Coverage That Works for Your Life — and Your Budget

Health care costs can be overwhelming — but the right insurance makes it manageable. Whether you're looking for individual coverage, family protection, or navigating a life transition, Howlett Insurance Agency helps you find a plan that fits. With real guidance and honest advice, we take the confusion out of choosing health insurance in Mississippi.


Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. For full plan options, visit  Medicare.gov or call 1‑800‑MEDICARE.

What Does Health Insurance Cover?

Health insurance helps pay for essential medical care and protects you from high out-of-pocket costs. Depending on your plan, coverage may include:

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Doctor Visits & Preventive Care

Routine checkups, screenings, vaccinations, and more.

Emergency & Hospital Services

Coverage for ER visits, surgeries, and inpatient hospital stays.

Prescription Medications

Helps reduce the cost of everyday and specialty prescriptions.

Mental Health & Substance Abuse Services

Coverage for counseling, therapy, and treatment programs.

Maternity & Newborn Care

Prenatal visits, labor, delivery, and postnatal support.

Pediatric Services

Includes immunizations, wellness checks, and vision/dental for children (depending on plan).

We help you compare plan options, provider networks, and deductible levels — so you can choose with clarity and confidence.

Why Choose Howlett Insurance Agency?

When it comes to your health, you deserve more than a website or 1-800 number. You deserve a real agent who listens, explains, and stays by your side.

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We Make It Simple

We walk you through your options — without jargon or pressure.

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Local Help You Can Trust

We know how health insurance works in Mississippi — and what to avoid.

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Options for Every Stage

Whether you’re self-employed, between jobs, or planning for retirement, we’ll find coverage that fits.

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We Work With Leading Carriers

As an independent agency, we shop multiple providers to give you more flexibility and competitive rates.

Common Questions About Health Insurance

  • Do I need health insurance if I’m young and healthy?

    Yes. Even one emergency room visit can cost thousands. Health insurance protects you from unexpected medical bills and ensures access to affordable care.

  • Can I get health insurance outside of open enrollment?

    Possibly. Special enrollment periods apply if you've had a qualifying life event (like job loss, marriage, or new baby). We’ll help determine if you’re eligible.

  • What’s the difference between a deductible and a copay?

    A deductible is what you pay out of pocket before insurance kicks in. A copay is a flat fee for specific services, like doctor visits or prescriptions.

  • Can I keep my doctor with a new plan?

    We’ll help you compare provider networks so you can choose a plan that includes your preferred doctors and facilities.

  • How do subsidies or tax credits work?

    Depending on your income, you may qualify for reduced premiums through the federal marketplace. We can help calculate your savings and apply correctly.

Find the Coverage That’s Right for You