Oscar offers the cheapest health insurance policies in Missouri at $618 monthly. Oscar ranks as the most affordable statewide, with availability varying by county. Consider Cox Healthplans, Anthem, Blue Cross Blue Shield, Ambetter and UnitedHealthcare for competitive health plan rates in the state.
Cheapest Health Insurance in Missouri: Affordable Plans for 2026
Updated: December 19, 2025
Advertising & Editorial Disclosure
Key Takeaways
Oscar offers the lowest health insurance rates in Missouri with average monthly premiums of $618.
Oscar provides the cheapest health insurance for young adults, adults, seniors and EPO plans in Missouri, while Cox Healthplans offers competitive rates for Bronze plans and Anthem has the cheapest Catastrophic plan rates.
Shop smart by determining your coverage needs within budget, verifying subsidy eligibility and requesting quotes from multiple insurers. Open Enrollment can reduce your annual insurance costs by hundreds of dollars.
Most Affordable Health Insurance Companies in Missouri
| Oscar | $618 | $66 | $7,416 | $792 |
| Cox Healthplans | $650 | $34 | $7,800 | $408 |
| Anthem | $657 | $27 | $7,884 | $324 |
| Blue Cross Blue Shield | $702 | $18 | $8,424 | $216 |
| Ambetter | $707 | $23 | $8,484 | $276 |
| UnitedHealthcare | $714 | $30 | $8,568 | $360 |
| Medica | $753 | $69 | $9,036 | $828 |
* We calculate average monthly rates by taking the rounded average of each provider’s monthly plan rates in Missouri. We calculate average monthly savings by subtracting the statewide average monthly rate from each provider’s average. Your actual rates will vary based on age, location and chosen plan.
Oscar Insurance Company
MoneyGeek Rating
4.1/ 5
5/5Affordability
2.8/5Deductible
3/5MOOP
Avg. Monthly Rate
$618Avg. MOOP
$6,837Avg. Deductible
$3,240
Cheapest Missouri Health Insurance Providers by Profile
The most affordable plan for you depends on age, plan type preference and metal level. You should also weigh premiums against deductibles and maximum out-of-pocket (MOOP) costs.
| Children | Oscar | $371 | $4,456 | $6,103 | $3,306 |
| Teens | Oscar | $443 | $5,318 | $6,103 | $3,306 |
| Young Adults | Oscar | $497 | $5,964 | $6,103 | $3,306 |
| Adults | Oscar | $620 | $7,444 | $6,103 | $3,306 |
| EPO | Oscar | $620 | $7,444 | $6,103 | $3,306 |
| Seniors | Oscar | $1,317 | $15,808 | $6,103 | $3,306 |
* Rates shown are averages for silver-tier plans, using the following ages for each group: teens age 18, young adults age 26, adults age 40, seniors age 60. For plan type costs, we used average rates for 40-year-olds.
Cheapest Missouri Health Insurance by Metal Level
Your metal tier choice affects your monthly premiums and out-of-pocket costs when you need care. Bronze plans feature the cheapest monthly payments but require more cost-sharing when you visit doctors. Choose based on your health care needs: infrequent visits make Bronze plans economical, while regular health care needs favor Gold or Platinum coverage.
Cox Healthplans offers the cheapest Bronze plans in Missouri at $473 monthly, while Oscar provides the most affordable Silver and Gold options at $620 and $570, respectively. Since Platinum plans aren't available in the state, your coverage choices span from Bronze's lowest rates to Gold's comprehensive benefits.
| Bronze | Cox Healthplans | $473 | $5,676 | $7,950 | $7,950 |
| Catastrophic | Anthem | $476 | $5,709 | $10,600 | $10,600 |
| Expanded Bronze | Oscar | $487 | $5,842 | $7,603 | $4,425 |
| Gold | Oscar | $570 | $6,845 | $6,806 | $1,988 |
| Silver | Oscar | $620 | $7,444 | $6,103 | $3,306 |
* Rates shown are the provider's average at the given metal tier for 40-year-olds.
Compare Cheap Missouri Health Insurance Plans
Find affordable health insurance options in Missouri that match your needs.
Data filtered by:
EPO
Silver
40
No
| Oscar | Silver Simple Pcp Saver | $614 | EPO | Silver | $6,157 | $3,000 | 40 | No |
| Oscar | Silver Classic Standard | $619 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Oscar | Silver Simple Diabetes | $620 | EPO | Silver | $6,143 | $3,643 | 40 | No |
| Oscar | Silver Simple Women'S Health With Menopause Benefits | $623 | EPO | Silver | $6,250 | $3,481 | 40 | No |
| Oscar | Silver Elite Saver Plus | $625 | EPO | Silver | $6,307 | No Data | 40 | No |
| Medica | Medica With Ssm Health Silver $0 Copay Pcp Visits | $626 | EPO | Silver | $6,457 | $1,964 | 40 | No |
| Medica | Medica With Ssm Health Silver Share | $629 | EPO | Silver | $5,736 | $1,850 | 40 | No |
| Blue Cross Blue Shield | Blue Kc Simply Blue Silver With Spira Care Blue Metro Epo | $629 | EPO | Silver | $5,300 | $2,643 | 40 | No |
| Medica | Medica With Ssm Health Silver Standard | $635 | EPO | Silver | $5,657 | $3,100 | 40 | No |
| Anthem | Anthem Silver Pathway Essentials 7200 ($0 Virtual Pcp + $0 Select Drugs + Incentives) | $645 | EPO | Silver | $5,493 | $3,700 | 40 | No |
How to Find the Cheapest Health Insurance in Missouri
Use these steps to identify affordable coverage that covers your health care needs.
- 1Choose a plan type within your budget
Your ideal type of plan and metal tier varies based on your health status and financial situation. Set aside money for monthly premiums, then evaluate your current health needs.
- 2Check if you qualify for subsidies
Subsidy eligibility for 2026 health insurance depends on your household size and income. Financial assistance covers incomes from 100% to 400% of the Federal Poverty Level. Families with lower incomes get more help, while subsidy amounts drop as earnings increase.
- 3Explore Medicare options if you qualify
Seniors should research Medicare and Medicaid programs first. Both Medicare Advantage plans and Medicare Supplement plans offer better value and more coverage flexibility than standard marketplace options.
- 4Verify prescription coverage
Check formularies for any medications you take regularly. Insurance companies rank drugs differently, with some placing your prescriptions in cheaper tiers than competitors offer.
- 5Shop during Open Enrollment period
The enrollment window opens November 1 and closes January 15. You can also enroll during Special Enrollment after major life changes like job loss, divorce or welcoming a new baby.
- 6Research Missouri insurance requirements
Missouri follows federal health insurance rules but doesn't operate its own marketplace. Residents use Healthcare.gov to shop for coverage. The state expanded Medicaid in 2021, so low-income adults may qualify for free or low-cost coverage through MO HealthNet.
Cheapest Health Insurance in Missouri: Bottom Line
Oscar, Cox Healthplans and Anthem offer Missouri's most affordable health insurance. These are our recommendations, though you should get quotes from multiple companies across different plan types and tiers to secure the best rate.
Cheap Missouri Health Insurance: FAQ
We have answers to frequently asked questions about affordable health insurance in Missouri:
What is the cheapest health insurance in Missouri?
Oscar offers the most affordable health insurance in Missouri, with Silver plans averaging $618 monthly for 40-year-olds.
What are the downsides of a cheap health insurance plan?
Cheap health insurance plans come with high deductibles, often $5,000 to $8,000 annually, plus limited provider networks that exclude top hospitals and specialists. You'll have out-of-pocket maximums reaching $9,450 before coverage begins.
Do I qualify for subsidies on health insurance in Missouri?
You may qualify for subsidies if you earn between 100% to 400% of the Federal Poverty Level (approximately $15,060 to $60,240 for individuals). Missouri residents apply through HealthCare.gov, where the system automatically determines your eligibility based on income and household size during enrollment.
When can I enroll in health insurance in Missouri?
Missouri residents can enroll in health insurance during Open Enrollment from November 1 to January 15. You can also qualify for Special Enrollment throughout the year after experiencing a qualifying life event like job loss, marriage or having a baby.
How We Decided the Cheapest Health Insurance Companies in Missouri
To identify Missouri's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds.
Our cheapest overall rankings focus on 40-year-olds' monthly premiums as this age group is most common demographically and provides clear comparison. Age-specific rankings reflect their respective premium costs. Lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving care.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.