ACA plans available
55
Plan year 2026
CMS Marketplace county · plan year 2026
Clay, Missouri ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $568
- Silver avg/mo
- 55
- ACA plans
- 5
- Issuers
- +18.3%
- YoY premium
Silver avg $568/mo
Clay, Missouri has 55 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $568/mo; Bronze averages $438/mo and Gold $551/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1531 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $476/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Clay, Missouri ranks #1,531 of 2,055 counties by listed Silver average ($568/mo) and #506 of 2,055 by plan count (55 plans).
- #1,531 of 2,055
- Silver average among 2,055 counties
- $568
- Listed Silver average /mo
- #506 of 2,055
- Plan count among 2,055 counties
- 55
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Clay, Missouri offers 55 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $363/mo and Silver plans start at $469/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$568
Avg Silver Premium/mo
$476
Benchmark Premium/mo
+18.3%
Year-over-Year Change
$5,027
Avg Deductible
Lower-premium band
Clay in the lower-premium third
$568/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1531 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $469–$811/mo. Every plan sold in Clay is EPO -- there's no alternative network type in this county, so weigh EPO's referral rules and out-of-network coverage before enrolling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
19 plans$438/mo avg
$363 - $628
Silver
19 plans$568/mo avg
$469 - $811
Gold
16 plans$551/mo avg
$439 - $753
Catastrophic plan available: avg $398/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Clay is $476/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference.
Issuers in market
5
Competitive market
Benchmark Silver
$476 /mo
Sets your subsidy ceiling
Avg deductible
$5,027
Across all metal tiers
B
Marketplace Access Score
71/100
Clay
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability B
$476/mo
Benchmark Silver premium; rank #1531 of 2055 tracked counties (cheapest first)
Plan Choice B+
55 plans
ACA marketplace plan count; rank #506 of 2055 tracked counties (most first)
Issuer Competition A
5 issuers
Distinct marketplace issuers; rank #287 of 2055 tracked counties (most first)
Cost Predictability D
$5,027
Average deductible across tracked plans; rank #1001 of 2055 tracked counties (lowest first)
Clay ACA plans by premium and deductible
Each marker is the Clay average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Clay ACA marketplace plans: premium vs deductible
How Clay's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Clay vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$568 1531st of 2055 higher than 523 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Clay
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter Health | 16 | $440/mo |
| UnitedHealthcare | 13 | $543/mo |
| Oscar Insurance Company | 11 | $438/mo |
| Medica | 9 | $722/mo |
| Blue Cross and Blue Shield of Kansas City | 6 | $484/mo |
All Plans in Clay
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue KC Catastrophic BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Catastrophic | EPO | $397.51 | $484.75 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $429.15 | $523.34 | $10,600 | $10,600 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | EPO | $362.66 | $442.25 | $7,500 | $10,000 |
| Everyday Bronze Ambetter Health | Expanded Bronze | EPO | $363.46 | $443.23 | $8,450 | $10,150 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $370.89 | $452.29 | $7,500 | $10,000 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $373.62 | $455.62 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $374.45 | $456.62 | $8,450 | $10,150 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $377.48 | $460.32 | $4,700 | $9,800 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $379.58 | $462.88 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $386.64 | $471.49 | $0 | $10,600 |
| Elite Bronze Ambetter Health | Expanded Bronze | EPO | $393.46 | $479.81 | $0 | $10,500 |
| Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Expanded Bronze | EPO | $402.23 | $490.50 | $8,500 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $405.35 | $494.31 | $0 | $10,500 |
| Blue KC Standard Bronze BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Expanded Bronze | EPO | $436.96 | $532.86 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $455.94 | $556.00 | $7,500 | $10,000 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $470.72 | $574.02 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $481.05 | $586.63 | $0 | $10,600 |
| Select by Medica Bronze Share Medica | Expanded Bronze | EPO | $599.64 | $731.24 | $8,000 | $10,600 |
| Select by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $623.14 | $759.90 | $7,500 | $10,600 |
| Select by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $628.44 | $766.36 | $7,500 | $10,000 |
| Standard Silver Ambetter Health | Silver | EPO | $468.87 | $571.78 | $6,000 | $8,900 |
| Complete Silver Ambetter Health | Silver | EPO | $476.25 | $580.77 | $5,950 | $8,850 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $477.94 | $582.83 | $5,100 | $10,000 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $481.39 | $587.04 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $482.34 | $588.20 | $6,500 | $10,000 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $483.05 | $589.06 | $6,000 | $8,900 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $484.59 | $590.94 | $6,000 | $10,150 |
| Silver Elite Saver Plus Oscar Insurance Company | Silver | EPO | $486.14 | $592.83 | $0 | $10,150 |
| Complete Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $490.65 | $598.33 | $5,950 | $8,850 |
| Blue KC Choice Silver 1 with Spira Care BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Silver | EPO | $534.18 | $651.42 | $4,150 | $8,000 |
| Blue KC Standard Silver BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Silver | EPO | $557.57 | $679.94 | $6,000 | $8,900 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $582.21 | $709.98 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $582.28 | $710.08 | $3,500 | $10,300 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $593.92 | $724.27 | $0 | $10,600 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $596.98 | $728.00 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $597.06 | $728.10 | $3,500 | $10,300 |
| Select by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $799.32 | $974.75 | $3,500 | $10,450 |
| Select by Medica Silver Share Medica | Silver | EPO | $802.63 | $978.78 | $3,525 | $8,850 |
| Select by Medica Silver Standard Medica | Silver | EPO | $810.50 | $988.37 | $6,000 | $8,900 |
| Gold Simple Oscar Insurance Company | Gold | EPO | $439.22 | $535.62 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $448.10 | $546.45 | $2,000 | $8,200 |
| Standard Gold Ambetter Health | Gold | EPO | $458.80 | $559.49 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | EPO | $464.18 | $566.05 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $472.67 | $576.40 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $478.21 | $583.16 | $800 | $7,250 |
| Complete Gold Ambetter Health | Gold | EPO | $479.80 | $585.10 | $1,450 | $7,700 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $494.31 | $602.79 | $1,450 | $7,700 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $557.39 | $679.72 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $560.49 | $683.50 | $1,500 | $8,100 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $575.27 | $701.52 | $1,500 | $8,100 |
| Blue KC Standard Gold BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Gold | EPO | $578.04 | $704.91 | $2,000 | $8,200 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $580.15 | $707.48 | $0 | $8,000 |
| Select by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $738.75 | $900.88 | $1,500 | $8,800 |
| Select by Medica Gold Share Medica | Gold | EPO | $742.39 | $905.32 | $2,500 | $5,900 |
| Select by Medica Gold Standard Medica | Gold | EPO | $753.48 | $918.84 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $419/mo | $357 | $546 | 39 | 6 |
| 2023 | $455/mo | $384 | $654 | 37 | 7 |
| 2024 | $443/mo | $392 | $592 | 30 | 6 |
| 2025 | $482/mo | $383 | $676 | 25 | 6 |
| 2026 | $568/mo | $469 | $811 | 19 | 5 |
What this means for Clay
Use Clay's own numbers here, not a national average, before you enroll.
- $568/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 55 plans from 5 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Clay's Silver premium in the lower band?
Clay ranks #1531 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $568/mo. See /methodology#corpus-placement.
How many ACA plans compete in Clay?
Clay carries 55 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
What is the cheapest health insurance plan in Clay?
The lowest-premium plan in Clay starts at $363/mo (Bronze tier, age 27). Silver plans start at $469/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Clay?
The benchmark (second-lowest Silver) premium in Clay is $476/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Clay premiums rise +18.3% year-over-year?
The average age-27 premium in Clay changed by +18.3% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Clay?
The average annual deductible across all plans in Clay is $5,027, and the average out-of-pocket maximum is $9,313. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Clay's crowded market?
There are 5 insurance issuers offering ACA marketplace plans in Clay, including Ambetter Health, UnitedHealthcare, Oscar Insurance Company, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Clay, MO's $476/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Clay, MO, both outside MO so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($476/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (5 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.