Health Insurance Plans in Missouri
Browse ACA Marketplace plans available to Missouri residents on the federal exchange. 67 plans available for 2026. Starting from $359/month.
Lowest Monthly Premium
$359/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$401/mo
24 plans available
Avg Silver (Benchmark)
$519/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in St. Louis, MO
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$401/mo avg
from $359 – $450
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$519/mo avg
from $465 – $564
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$496/mo avg
from $453 – $542
Lowest-Premium Plans Available
Sample plans near St. Louis — enter your ZIP for exact results
Standard Expanded Bronze
Ambetter from Home State Health
$359/mo
Ded: $7,500
Everyday Bronze
Ambetter from Home State Health
$360/mo
Ded: $8,450
Anthem Bronze Pathway X 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$360/mo
Ded: $10,150
Standard Expanded Bronze + Vision + Adult Dental
Ambetter from Home State Health
$370/mo
Ded: $7,500
Everyday Bronze + Vision + Adult Dental
Ambetter from Home State Health
$371/mo
Ded: $8,450
Anthem Bronze Pathway X 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$377/mo
Ded: $6,900
Anthem Heart Healthy Bronze Pathway X 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$382/mo
Ded: $4,900
Bronze Classic Standard
Oscar Insurance Company
$382/mo
Ded: $7,500
Anthem Bronze Pathway X 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)
Anthem Blue Cross and Blue Shield
$385/mo
Ded: $7,500
Bronze Classic 4700
Oscar Insurance Company
$389/mo
Ded: $4,700
Prices shown are for a 30-year-old near St. Louis without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Missouri?
Approximately 67 ACA Marketplace plans are available in Missouri for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Missouri?
For a 30-year-old without subsidies, the cheapest plan near St. Louis starts at about $359/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Missouri use HealthCare.gov?
Yes — Missouri is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Missouri averages $519/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Missouri
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Missouri guides
Best plans in Missouri Cheapest plans in Missouri HSA-eligible plans in Missouri