With a score of 99 out of 100, Cox HealthPlans offers the best health insurance in Missouri, balancing affordability, customer service and coverage. If this provider is unavailable locally, Ambetter, Anthem (BCBS), Oscar and Medica also provide excellent coverage options in the state.
Best Health Insurance in Missouri
Our top picks for the best health insurance in Missouri are Cox HealthPlans, Ambetter, Oscar, Anthem (BCBS) and Medica.
Discover top health insurance plans in Missouri below.

Updated: June 24, 2025
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Key Takeaways
Overall, Cox HealthPlans offers the best and most balanced coverage in Missouri for health insurance.
Cox HealthPlans provides the best cheap health insurance in Missouri, with Silver-tier plans averaging $309 monthly, where available.
To find the best health insurance in Missouri, educate yourself on companies available to you, decide coverage needs beforehand and compare plan quotes from several companies.
Best Health Insurance Companies in Missouri
Cox HealthPlans | 99 | Cox HealthPlans Silver Preferred $3,500 Deductible |
Ambetter | 88 | Standard Silver |
Oscar | 84 | Silver Classic Standard |
Anthem (BCBS) | 79 | Anthem Silver Pathway 7250 |
Medica | 78 | Balance by Medica Silver Share |
*Our picks are the best companies for 40-year-olds looking for Silver-tier plans.
Best Health Insurance in Missouri by Category
While we've given our top picks overall, the best company for you may differ depending on your profile and preferred plan type. So below, we've broken down the top picks for common categories to make more personalized recommendations.
Children/Families | Cox HealthPlans |
Young Adults | Cox HealthPlans |
Seniors | Cox HealthPlans |
EPO | Cox HealthPlans |
Best Missouri Health Insurance Reviews
So that you can learn about our recommendations, we've broken down our top picks overall, for affordability and customer service reputation.

Cox HealthPlans: Best Overall
pros
Local expertise and integration
Competitive affordability
Best overall for most in Missouri
cons
Billing and administrative issues
COMPANY HIGHLIGHTS
Overall, Cox HealthPlans was our pick for the best health insurance in Missouri due to its comprehensive coverage options and strong provider networks throughout the state. It's also the cheapest in the state, with rates as low as $309 monthly. Cox HealthPlans offers robust benefits with access to quality health care systems across Missouri, competitive plan designs and reliable claims processing.

Anthem Blue Cross Blue Shield: Best Customer Reputation
pros
Strong financial stability and nationwide presence
Highest customer reputation score in Missouri
cons
Largest number of in-network counties
No out-of-network coverage, unless there's a medical emergency
COMPANY HIGHLIGHTS
Anthem Blue Cross Blue Shield stands out for customer reputation in Missouri as a trusted regional leader with strong member satisfaction and a comprehensive support infrastructure. Anthem (BCBS) has built a solid reputation for reliable service, responsive claims processing and local market expertise that residents trust for their health care coverage needs.
How to Find the Best Health Insurance for You in Missouri
The following recommendations will ensure that buying health insurance that is ideal for you is easy.
Decide on your coverage needs before buying
When looking for the best health insurance, weigh the monthly cost against the maximum out-of-pocket plan limits. If you go to the doctor often, a plan with a higher monthly fee but lower MOOP can save you money. But you may not need as much coverage if you're not high risk. Also, compare health insurance plan types to ensure how flexible a provider will be in covering you.
Compare company offerings and reputations
Before comparing rates, understand what plans the top companies in your area offer and their terms. Also, look into company reputations through forums and industry sources like J.D. Power to ensure a smooth buying and coverage claims process.
Shop around
Comparing multiple plans from many providers ensures you get the best possible deal. We found that rates start at $309 monthly in Missouri, depending on your personal profile and chosen plan type. Open Enrollment lasts from November 1 to January 15, but you may also qualify for Special Enrollment if you've lost your job, divorced or had a child.
Take advantage of federal programs and subsidies
Those with low income, have a qualifying disability or illness, or are 65 years old or older can receive subsidies or be eligible for Medicare plans. In some cases, depending on your details, you can have up to 100% of your premiums covered if you're low-income or have significant savings if you're eligible for Medicare. MoneyGeek also provides information for finding the top Missouri Medicare Supplement and best Medicare Advantage plans in Missouri if you want to learn more.
Best Health Insurance in Missouri: Bottom Line
Overall, our top three picks for Missouri health insurance are Cox HealthPlans, Ambetter and Oscar. However, the best possible health insurance plan for you will vary widely depending on your personal details and coverage needs. Compare as many plans and companies as possible to get the right fit.
Best Missouri Health Insurance: FAQ
Below we've answered frequently asked questions about the best health insurance in Missouri:
What is the best health insurance provider in Missouri for 2025?
Cox HealthPlans provides the best health insurance in Missouri for 2025. However, your best choice will depend on your unique circumstances and needs and if coverage is available in your county.
What should you look for when shopping for the best health insurance plan in Missouri?
When finding the best health insurance plan, compare both premium costs and coverage breadth to ensure the plan meets your specific medical needs without gaps in essential services. The ideal plan balances affordability with comprehensive coverage that aligns with your health requirements and anticipated medical expenses.
How We Chose the Best Health Insurance in Missouri
To rank health care insurance providers in Missouri, MoneyGeek researched premiums, out-of-pocket costs, claims denial rates and plan types for each available company and compared them across different categories. We then weighted each category to calculate an overall MoneyGeek score and derive rankings.
We weighted most categories as follows:
- Maximum out-of-pocket (MOOP) score (30%): The MOOP is the most you'll pay per year for health care costs outside of your monthly premiums. The provider with the lowest average MOOP scores the highest.
- Claims denial score (30%): How often a provider denies claims. The provider with the lowest claims denial rate scores the highest.
- Rate score (20%): How much the provider's monthly plans cost. The cheapest provider, on average, gets the highest score.
- Plan type score (20%): Providers score better if they have plan types with broader coverage. A provider with many PPO plans will get the highest score.
In some cases, we adjusted the weightings as follows:
- For the categories "Best Cheap Health Insurance in Missouri" and "Best Health Insurance in Missouri for Low Income," we increased the rate score weighting to 50%. We decreased every other category by 10%.
- For the category "Best Health Insurance by Plan Type in Missouri," we decreased the plan type score weighting to 0% to reflect that we are comparing providers' plans like-for-like. We increased MOOP and claims denial score weightings by 10% each.
Sample Consumer:
MoneyGeek collected data on all available plans in Missouri for consumers aged 18, 26, 40, 50 and 60. Unless otherwise noted, all monthly premiums are for a 40-year-old buyer, such as the category for young adults. Plans analyzed in each section include the relevant cited metal tiers, which include Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.