ACA plans available
55
Plan year
2026 data Public-data reference. official source
Clay, Missouri Health Insurance
Open-data reference.
55 ACA plans from 5 issuers — Plan year 2026
Clay, Missouri offers 55 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $429/mo and Silver plans start at $469/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$568
Avg Silver Premium/mo
$476
Benchmark Premium/mo
+26.8%
Year-over-Year Change
$5,027
Avg Deductible
What the Numbers Say About Clay
Clay, Missouri has 55 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $568/mo for a 27-year-old non-tobacco user, with the lowest Silver at $469 and the highest at $811. Bronze plans start at $429/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $476/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,027 and the average out-of-pocket maximum is $9,313 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Clay shifted by +26.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Clay, consumers have meaningful competition to pressure premiums lower. This page is informational only and is not insurance, medical, or tax advice — verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
1 plan$429/mo avg
$429 — $429
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 premium (2nd-lowest Silver plan) 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. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$476 /mo
Sets your subsidy ceiling
Avg deductible
$5,027
Across all metal tiers
Clay ACA plans by premium and deductible
Each marker is the Clay average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Clay, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Clay
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Home State 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 from Home State Health | Expanded Bronze | EPO | $362.66 | $442.25 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Home State 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 from Home State Health | Expanded Bronze | EPO | $373.62 | $455.62 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Home State 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 from Home State 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 from Home State 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 from Home State Health | Silver | EPO | $468.87 | $571.78 | $6,000 | $8,900 |
| Complete Silver Ambetter from Home State 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 from Home State 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 from Home State 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 from Home State Health | Gold | EPO | $458.80 | $559.49 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Home State Health | Gold | EPO | $464.18 | $566.05 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from Home State Health | Gold | EPO | $472.67 | $576.40 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Home State Health | Gold | EPO | $478.21 | $583.16 | $800 | $7,250 |
| Complete Gold Ambetter from Home State Health | Gold | EPO | $479.80 | $585.10 | $1,450 | $7,700 |
| Complete Gold + Vision + Adult Dental Ambetter from Home State 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 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Missouri
Hospital Quality Ratings
PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Clay, MO?
There are 55 ACA marketplace plans available in Clay from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Clay?
The lowest-premium plan in Clay starts at $429/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.
How have premiums changed in Clay?
Average premiums in Clay changed by +26.8% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
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 insurance companies offer plans in Clay?
There are 5 insurance issuers offering ACA marketplace plans in Clay, including Ambetter from Home State 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
