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Choosing a metal tier other than Silver can affect premiums and out-of-pocket costs. In Missouri, Medica is the cheapest option for Bronze, Catastrophic and Expanded Bronze tiers, while Ambetter offers the lowest rates on Gold plans.

If you're looking to balance monthly premiums with quality claims and coverage, MoneyGeek also analyzed the best health insurance in Missouri.

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2023

Most Affordable Health Insurance in Missouri

Cheapest Health Insurance in Missouri by Metal Tier

Health insurance expenses fluctuate based on metal tiers, which often offer a trade-off between higher monthly premiums and reduced out-of-pocket costs, or vice versa.

Silver plans are particularly popular as they offer a good balance of monthly premiums and out-of-pocket expenses. The most affordable option in the Silver tier in Missouri is the Cox HealthPlans Silver Standard $5,900 Deductible offered by Cox HealthPlans at a monthly cost of $503. If you're aiming for lower monthly premiums, Bronze plans might suit your budget better despite their potentially higher out-of-pocket costs.

Here are the most affordable health insurance plans from each metal tier:

  • Catastrophic: Balance by Medica Catastrophic ($286 per month)
  • Bronze: WellFirst by Medica Bronze Standard 9100X ($365 per month)
  • Expanded Bronze: WellFirst by Medica Bronze Copay PCP 8000X ($401 per month)
  • Silver: Cox HealthPlans Silver Standard $5,900 Deductible ($503 per month)
  • Gold: Clear Gold by Ambetter ($587 per month)

For more information on affordable options, explore cheap health insurance plans that cater to a variety of needs and budgets.

Metal Tier
Plan
Company
Monthly Cost
Maximum Out-of-Pocket

Catastrophic

Balance by Medica Catastrophic

Medica

$171

$9,450

Catastrophic

Balance by Medica Catastrophic

Medica

$204

$9,450

Bronze

WellFirst by Medica Bronze Standard 9100X

Medica

$218

$9,450

Catastrophic

Balance by Medica Catastrophic

Medica

$229

$9,450

Expanded Bronze

WellFirst by Medica Bronze Copay PCP 8000X

Medica

$240

$9,450

Bronze

WellFirst by Medica Bronze Standard 9100X

Medica

$260

$9,450

Catastrophic

Balance by Medica Catastrophic

Medica

$286

$9,450

Expanded Bronze

WellFirst by Medica Bronze Copay PCP 8000X

Medica

$286

$9,450

Bronze

WellFirst by Medica Bronze Standard 9100X

Medica

$292

$9,450

Silver

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$301

$9,100

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WHAT ARE METAL TIERS?

Consumers can choose from four metal tiers in the Missouri health insurance marketplace: Bronze, Expanded Bronze, Silver and Gold. Each tier represents a general level of coverage and is associated with a different balance between monthly premiums and out-of-pocket expenses, such as deductibles, copayments and co-insurance.

Bronze plans typically have the lowest monthly premiums but come with the highest out-of-pocket costs when receiving medical care. Expanded Bronze offers slightly more coverage, generally with modest premiums and out-of-pocket costs. Silver and Gold plans have higher monthly premiums but substantially lower out-of-pocket expenses.

For individuals with incomes below 250% of the Federal Poverty Line, cost-sharing reductions (CSRs) are available on Silver plans. CSRs lower the amount you pay for deductibles, copayments and co-insurance, making out-of-pocket medical expenses more affordable.

Cheapest Silver Plans in Missouri

The most cost-effective Silver tier health plan in Missouri is the Cox HealthPlans Silver Standard $5,900 Deductible at a monthly cost of $503.

The top three most affordable Silver plans in Missouri are:

  • Cox HealthPlans Silver Standard $5,900 Deductible ($503 per month)
  • Cox HealthPlans Silver Connect 9 $6,000 Deductible ($512 per month)
  • Silver Classic Standard from Oscar ($515 per month)

Silver plans are well-suited for individuals who anticipate needing moderate health care services. They offer a good balance between monthly premiums and out-of-pocket costs when care is needed. For those who qualify for cost-sharing reductions, enrolling in a Silver plan can further decrease copayments, co-insurance, and deductibles, making healthcare more accessible and affordable.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Cox HealthPlans

$301

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$306

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Oscar

$308

$9,100

Silver Classic Standard

Cox HealthPlans

$309

$9,000

Cox HealthPlans Silver Preferred $3,500 Deductible

Oscar

$310

$8,900

Silver Simple PCP Saver

Oscar

$317

$8,550

Silver Simple Diabetes

Oscar

$318

$8,650

Silver Classic

Oscar

$325

$9,100

Silver Elite Saver Plus

Cox HealthPlans

$329

$5,500

Cox HealthPlans Silver Select $5,250 Deductible

Aetna

$331

$9,100

Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7

Cheapest Gold Plans in Missouri

The most affordable Gold plan in Missouri is the Clear Gold plan offered by Ambetter, with a monthly cost of $587.

The three most affordable Gold health plans in Missouri are:

  • Clear Gold from Ambetter ($587 per month)
  • Standard Gold from Ambetter ($596 per month)
  • Everyday Gold from Ambetter ($597 per month)

Gold plans are well-suited for individuals who expect to need frequent medical care or prefer the security of lower out-of-pocket costs when accessing health services.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Ambetter

$351

$8,700

Clear Gold

Ambetter

$356

$8,700

Standard Gold

Ambetter

$357

$7,500

Everyday Gold

Cox HealthPlans

$358

$8,700

Cox HealthPlans Gold Standard $1,500 Deductible

Oscar

$360

$8,700

Gold Classic Standard

Cox HealthPlans

$360

$7,500

Cox HealthPlans Gold Preferred $500 Deductible

Ambetter

$360

$8,700

Clear Gold + Vision + Adult Dental

Medica

$362

$8,700

Balance by Medica Gold Copay $0 PCP

Aetna

$363

$9,195

Gold 3: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7

Aetna

$365

$8,700

Gold S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7

Cheapest Bronze Plans in Missouri

The most affordable Bronze plan for Missourians is the WellFirst by Medica Bronze Standard 9100X offered by Medica at a monthly cost of $365.

The three most affordable Bronze health plans in Missouri by monthly cost are:

  • WellFirst by Medica Bronze Standard 9100X from Medica ($365 per month)
  • Balance by Medica Bronze Standard from Medica ($385 per month)
  • Cox HealthPlans Bronze Preferred $9,450 Deductible from Cox HealthPlans ($429 per month)

Bronze plans are ideal for policyholders who want lower monthly premiums and are comfortable with higher out-of-pocket costs when accessing care. Consumers who choose Bronze plans prioritize having coverage for major health events over more comprehensive day-to-day medical costs.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Medica

$218

$9,450

WellFirst by Medica Bronze Standard 9100X

Medica

$231

$9,450

Balance by Medica Bronze Standard

Cox HealthPlans

$257

$9,450

Cox HealthPlans Bronze Preferred $9,450 Deductible

Medica

$260

$9,450

WellFirst by Medica Bronze Standard 9100X

Medica

$266

$9,450

Medica with MU Health Care Bronze Standard

Medica

$267

$9,450

Select by Medica Bronze Standard

Medica

$275

$9,450

Balance by Medica Bronze Standard

Medica

$292

$9,450

WellFirst by Medica Bronze Standard 9100X

Cox HealthPlans

$307

$9,450

Cox HealthPlans Bronze Preferred $9,450 Deductible

Medica

$309

$9,450

Balance by Medica Bronze Standard

Cheapest Expanded Bronze Plans in Missouri

The WellFirst by Medica Bronze Copay PCP 8000X plan is the most affordable option in the Expanded Bronze tier in Missouri, with a monthly cost of $401.

The top three most economical Expanded Bronze plans in Missouri are:

  • WellFirst by Medica Bronze Copay PCP 8000X ($401 per month)
  • WellFirst by Medica Bronze Copay Plus 9400X ($410 per month)
  • Balance by Medica Expanded Bronze Standard ($413 per month)

Expanded Bronze plans are ideal for individuals seeking health insurance with relatively low monthly premiums but slightly more coverage than standard Bronze plans.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Medica

$240

$9,450

WellFirst by Medica Bronze Copay PCP 8000X

Medica

$246

$9,400

WellFirst by Medica Bronze Copay Plus 9400X

Medica

$247

$9,400

Balance by Medica Expanded Bronze Standard

Medica

$250

$9,400

WellFirst by Medica Bronze Standard 7500X

Medica

$255

$9,450

Balance by Medica Bronze Copay $0 PCP

Medica

$260

$7,450

WellFirst by Medica Bronze HSA-E HDHP 7450X

Medica

$262

$9,450

Balance by Medica Bronze Share Plus

Medica

$266

$9,450

Balance by Medica Bronze Premier

Cox HealthPlans

$267

$9,400

Cox HealthPlans Bronze Expanded Standard $7,500 Deductible

Aetna

$270

$7,500

Bronze 2 HSA: Aetna network of doctors & hospitals + MinuteClinic + Virtual Care 24/7

Cheapest Catastrophic Plans in Missouri

The most affordable Catastrophic plan in Missouri is the Balance by Medica Catastrophic, with a monthly cost of $229.

The two most affordable Catastrophic health insurance plans in Missouri are:

  • Balance by Medica Catastrophic ($229 per month)
  • WellFirst by Medica Catastrophic Safety Net ($236 per month)

Catastrophic plans are available only to adults under 30 or those with a hardship exemption. These plans have low monthly premiums but high out-of-pocket costs, so they're best for those who want to minimize monthly expenses while having a safety net for major medical events. They are not recommended for those who have frequent or ongoing health care needs.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Medica

$204

$9,450

Balance by Medica Catastrophic

Medica

$211

$9,450

WellFirst by Medica Catastrophic Safety Net

Medica

$229

$9,450

Balance by Medica Catastrophic

Medica

$235

$9,450

Medica with MU Health Care Catastrophic

Medica

$236

$9,450

Select by Medica Catastrophic

Medica

$236

$9,450

WellFirst by Medica Catastrophic Safety Net

Oscar

$264

$9,450

Secure

Medica

$264

$9,450

Medica with MU Health Care Catastrophic

Medica

$265

$9,450

Select by Medica Catastrophic

Anthem (BCBS)

$268

$9,450

Anthem Catastrophic Pathway 9450

Cheapest Health Insurance in Missouri for Those With Low Income

Individuals in Missouri earning up to 250% of the federal poverty level are eligible for cost-sharing reductions (CSRs) on Silver insurance plans. These CSRs help reduce health care costs by lowering deductibles and out-of-pocket expenses.

The most affordable Silver plan for Missourians earning between $14,580 and $21,870 is the Cox HealthPlans Silver Standard $5,900 Deductible plan, with a maximum out-of-pocket cost (MOOP) of $1,800.

The two most affordable Silver plan options are:

  • Cox HealthPlans Silver Standard $5,900 Deductible ($503 per month; $1,800 MOOP)
  • Cox HealthPlans Silver Connect 9 $6,000 Deductible ($512 per month; $1,000 MOOP)

CSRs in Missouri are available only with Silver plans. The income figures mentioned are for single individuals and will vary for larger households.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Cox HealthPlans

$301

$7,200

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$301

$1,800

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$301

$3,000

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$306

$7,250

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$306

$3,000

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$306

$1,000

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Oscar

$308

$1,800

Silver Classic Standard

Oscar

$308

$7,200

Silver Classic Standard

Oscar

$308

$3,000

Silver Classic Standard

Cox HealthPlans

$309

$6,900

Cox HealthPlans Silver Preferred $3,500 Deductible

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WHAT IS A COST-SHARING REDUCTION?

Cost-sharing reductions (CSRs) are discounts that lower the amount you pay for deductibles, copayments and co-insurance on Silver health insurance plans. They are available to individuals earning between 100% and 250% of the federal poverty level.

For example, for the Cox HealthPlans Silver Standard $5,900 Deductible plan, without CSRs, the maximum out-of-pocket cost is $7,200. At a higher CSR level of 94% actuarial value (AV), the same plan's maximum out-of-pocket cost decreases significantly to $1,800.

Cheapest Health Insurance in Missouri by Plan Type

EPO (Exclusive Provider Organization) plans are the only plan type available in Missouri.

The most affordable EPO plan in Missouri is the Cox HealthPlans Silver Standard $5,900 Deductible, with a monthly cost of $503.

  • EPO: Cox HealthPlans Silver Standard $5,900 Deductible from Cox HealthPlans ($503 per month)
Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Cox HealthPlans

$301

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$306

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Oscar

$308

$9,100

Silver Classic Standard

Cox HealthPlans

$309

$9,000

Cox HealthPlans Silver Preferred $3,500 Deductible

Oscar

$310

$8,900

Silver Simple PCP Saver

Oscar

$317

$8,550

Silver Simple Diabetes

Oscar

$318

$8,650

Silver Classic

Oscar

$325

$9,100

Silver Elite Saver Plus

Cox HealthPlans

$329

$5,500

Cox HealthPlans Silver Select $5,250 Deductible

Aetna

$331

$9,100

Silver S: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7

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WHAT'S THE DIFFERENCE BETWEEN PLAN TYPES?

The most common plan type in Missouri is the Exclusive Provider Organization (EPO) plan.

EPO plans typically offer a moderate balance between lower costs and provider flexibility. You don't need to select a primary care physician (PCP) or need referrals to see specialists. The main downside is that out-of-network care is usually not covered except in emergencies.

Cheapest Health Insurance in Missouri by County

Health insurance rates and the availability of certain plans varies by county in Missouri. For example, the most affordable plan in the largest and smallest counties by population, Jackson and Worth, respectively, are as follows:

  • Jackson: Silver Classic Standard from Oscar ($479 per month)
  • Worth: Silver Classic Standard from Oscar ($552 per month)

The following table outlines all available plans in each county in Missouri.

Company
Monthly Cost
Maximum Out-of-Pocket
Plan

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$430

$9,100

Anthem Silver Pathway 5900/40% Standard

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Anthem (BCBS)

$434

$8,750

Anthem Silver Pathway 7050

Oscar

$479

$9,100

Silver Classic Standard

Oscar

$479

$9,100

Silver Classic Standard

Oscar

$479

$9,100

Silver Classic Standard

Oscar

$479

$9,100

Silver Classic Standard

Oscar

$482

$8,900

Silver Simple PCP Saver

Oscar

$482

$8,900

Silver Simple PCP Saver

Oscar

$482

$8,900

Silver Simple PCP Saver

Oscar

$482

$8,900

Silver Simple PCP Saver

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$503

$9,100

Cox HealthPlans Silver Standard $5,900 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Cox HealthPlans

$512

$7,800

Cox HealthPlans Silver Connect 9 $6,000 Deductible

Ambetter

$524

$9,100

Standard Silver

Ambetter

$524

$9,100

Standard Silver

Ambetter

$524

$9,100

Standard Silver

Ambetter

$524

$9,100

Standard Silver

Ambetter

$528

$5,400

Clear Silver

Ambetter

$528

$5,400

Clear Silver

Ambetter

$528

$5,400

Clear Silver

Ambetter

$528

$5,400

Clear Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Ambetter

$550

$9,100

Standard Silver

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Oscar

$552

$9,100

Silver Classic Standard

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Ambetter

$554

$5,400

Clear Silver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$555

$8,900

Silver Simple PCP Saver

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$563

$9,100

Silver Classic Standard

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Oscar

$567

$8,900

Silver Simple PCP Saver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$607

$9,100

Standard Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$612

$5,400

Clear Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$614

$9,100

Standard Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$619

$5,400

Clear Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

Ambetter

$625

$9,100

Standard Silver

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

UnitedHealthcare

$629

$9,450

UHC Silver Value

Health Insurance Costs in Missouri by Age and Metal Tier

Age plays a big part in health insurance prices in Missouri. A Silver plan costs an 18-year-old $430 per month on average, but a 60-year-old pays around per month $1,280 — that's an $850 difference.

Metal tiers also impact costs. A Bronze plan for a 40-year-old costs $412 on average, but a Gold plan at the same age is $650. The Gold plan costs $238 more and offers better benefits.

Using rates from 2023, the chart below highlights how health insurance premiums within the same metal tier are typically more expensive for older adults.

Health Insurance Costs in Missouri by Age and Metal Tier

What to Know About Health Insurance in Missouri

MoneyGeek broke many of the health insurance options in Missouri, including private insurance in the marketplace with different metal tiers, Medicaid and Medicare.

Private Health Insurance in the Missouri Marketplace

The open enrollment period in Missouri typically aligns with the federal timetable, generally starting on November 1st and ending on December 15th each year. Residents can shop for private health insurance coverage through the Health Insurance Marketplace during this window. If you miss the December 15th deadline, you won't be able to obtain coverage unless you qualify for a Special Enrollment Period (SEP). SEPs are triggered by specific life events such as getting married, having a baby or losing other health coverage.

Medicaid in Missouri

Medicaid is a joint federal and state program that provides health care coverage to eligible low-income individuals and families, pregnant women, elderly adults and people with disabilities. In Missouri, eligibility is determined by income, family size and specific criteria such as being a state resident and a U.S. national, citizen or permanent resident. The program covers various health care needs, including doctor visits, hospital care and long-term services, tailored to support those who might otherwise be unable to afford adequate health care.

Medicare in Missouri

Medicare is a federal health insurance program primarily for individuals aged 65 and older, though it also covers younger people with certain disabilities or end-stage renal disease. Medicare is divided into parts: Part A (hospital insurance) covers inpatient hospital stays and some home health care. Part B (medical insurance) covers doctor visits and outpatient care. Part C, also known as Medicare Advantage, is an alternative to Original Medicare (Parts A and B) and often includes additional benefits. Part D covers prescription drugs.

MoneyGeek found the best Medicare Advantage Plans in Missouri and the best Medicare Supplement plans in Missouri.

Expert Advice: Finding Affordable Health Insurance in Missouri

  1. How do I take advantage of cost-sharing reductions and tax credits for health insurance in Missouri?
  2. Outside of plans on the health insurance exchange, where else can I get health insurance in Missouri?
Dr. Kara Grant
Dr. Kara Grant

Assistant Professor of Economics at Missouri Western State University

Susan K. Feigenbaum, Ph.D.
Susan K. Feigenbaum, Ph.D.

Curators' Distinguished Teaching Professor Emerita, Department of Economics at the University of Missouri–St. Louis

Missouri Health Insurance FAQ

When looking for health insurance, you may have questions about cost and availability. MoneyGeek responded to frequently asked questions about cheap private health insurance in Missouri to help you learn more.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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