In our review of Missouri's 2026 Plans across different insurers for a 40-year-old, Oscar provides the cheapest health insurance in Missouri at $618 monthly. The Gold plan costs $570 per month, $50 less than its own Silver plan at $620. That $50 difference buys a deductible that falls from $3,306 to $1,988, a $1,318 reduction in cost-sharing exposure. That's why our recommendation for most Missouri shoppers is Oscar's Gold plan because if you use health care more than twice a year, Gold costs less in total. Cox Healthplans and Anthem are within $7 of each other, at $650 and $657.
Cheapest Health Insurance in Missouri (2026)
Updated: July 3, 2026
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. Cox Healthplans has the cheapest Bronze plan rates. 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 | Silver Tier | $618 | $7,416 | $6,103 | $3,306 |
Cox Healthplans | Bronze Level | $473 | $5,676 | $7,950 | $7,950 |
Anthem | Catastrophic Plans | $476 | $5,709 | $10,600 | $10,600 |
* 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
Most Affordable Silver Health Insurance in Missouri
MoneyGeek Rating
4.1/ 5
5/5Affordability
2.8/5Deductible
3/5MOOP
Average Monthly Rate
$618Average MOOP
$6,837Average Deductible
$3,240
Cox HealthPlans
Cheapest Bronze Health Insurance in Missouri
MoneyGeek Rating
4.3/ 5
4.4/5Affordability
3.4/5Deductible
5/5MOOP
Average Monthly Rate
$473Average MOOP
$7,950Average Deductible
$7,950
Anthem
Cheapest Catastrophic Health Insurance in Missouri
MoneyGeek Rating
4.0/ 5
4.3/5Affordability
3.4/5Deductible
3.6/5MOOP
Average Monthly Rate
$476Average MOOP
$10,600Average Deductible
$10,600
Cheapest Missouri Health Insurance Providers by Profile
We found one point surprising that Oscar alone sells the cheapest Silver-tier plan across every age group in Missouri, from $371 monthly for children to $1,317 for 60-year-olds. But 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.
In our analysis, the 60-year-old senior rate is $1,317 monthly, more than double the $620 a 40-year-old pays for the same Oscar Silver plan. Seniors paying $1,317 monthly for a marketplace plan should check Medicare eligibility first. Adults 65 and older qualify for Medicare, where premiums for comparable coverage are lower for most enrollees.
Cheapest Missouri Health Insurance by Metal Level
Cox Healthplans has the cheapest Bronze plans in Missouri at $473 monthly. Oscar has the cheapest Silver at $620 and the cheapest Gold at $570. Platinum plans aren't available in Missouri.
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.
Oscar's Gold plan reduces your out-of-pocket maximum to $6,806 vs. $7,603 for Oscar's Expanded Bronze tier, a $797 difference in maximum annual exposure. Anthem's Catastrophic plan carries a $10,600 ceiling, $3,794 more than Oscar's Gold tier.
Anthem's Catastrophic plan at $476 monthly is only $3 less than Cox Healthplans' cheapest Bronze plan at $473. Catastrophic coverage is the right choice only if you qualify by age (under 30) or through a hardship exemption and can cover the $10,600 deductible out of pocket.
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
Set a monthly budget before comparing plans. In Missouri, the gap between the cheapest Bronze plan ($473 at Cox Healthplans) and the cheapest Gold plan ($570 at Oscar) is $97 monthl, or $1,164 per year. That $1,164 in added premiums buys a deductible that drops from $7,950 to $1,988. Adults who use health care at least a few times annually spend less with Gold than Bronze once deductibles are factored in.
- 2Check if you qualify for subsidies
Subsidies are available for Missouri households earning between 100% and 400% of the Federal Poverty Level $15,960 to $63,840 for a single person in 2026. Apply through HealthCare.gov. The system calculates your eligibility based on income and household size during enrollment. Lower-income households receive larger credits; subsidy amounts drop as earnings increase.
- 3Check Medicare options if you qualify
Adults 65 and older should compare Medicare costs before buying a marketplace plan. A 60-year-old pays $1,317 monthly for Oscar's Silver plan in Missouri. Medicare Part B premiums are lower for most new enrollees and Medicare Advantage and Medicare Supplement plans can reduce out-of-pocket costs further. Check Medicare eligibility at Medicare.gov before purchasing a marketplace plan.
- 4Verify prescription coverage
Check the formulary for any medications you take regularly before enrolling. Insurers rank drugs in tiers and a prescription in a lower tier at one insurer may cost more at another.
- 5Shop during Open Enrollment period
Open Enrollment is from November 1 through January 15. Missing this window means waiting until the next period unless you experience a qualifying life event. Job loss, divorce and marriage all qualify, as does having a baby. A gap in coverage leaves you responsible for the full cost of any care during that period.
- 6Research Missouri insurance requirements
Missouri residents shop through HealthCare.gov, not a state-run exchange. Missouri expanded Medicaid in 2021, so adults earning up to 138% of the Federal Poverty Level may qualify for MO HealthNet at no monthly premium. Check eligibility at MO.gov before buying a marketplace plan.
Cheap Missouri Health Insurance: FAQ
We've answered the frequently asked questions about affordable health insurance in Missouri:
Oscar offers the most affordable health insurance in Missouri, with Silver-tier plans averaging $618 monthly for 40-year-olds. Gold-tier plans from Oscar cost $570 monthly, less than Silver, with a lower deductible of $1,988 versus $3,306.
Cheap health insurance plans carry high deductibles, Cox Healthplans' Bronze plan in Missouri has a $7,950 deductible, and Anthem's Catastrophic plan reaches $10,600. Out-of-pocket maximums on Bronze plans from Oscar run $7,603. You pay those costs before coverage takes effect on most services.
You may qualify for subsidies if your income is between 100% and 400% of the Federal Poverty Level, $15,960 to $63,840 for a single person in 2026. Missouri residents apply through HealthCare.gov. The system determines your eligibility based on income and household size during enrollment.
Missouri residents can enroll during Open Enrollment from November 1 to January 15. You can also enroll during Special Enrollment after a qualifying life event such as 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 can increase your costs when receiving care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.