ACA plans available
46
Plan year 2026
CMS Marketplace county · plan year 2026
Ray, 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
- $603
- Silver avg/mo
- 46
- ACA plans
- 4
- Issuers
- +14.0%
- YoY premium
Silver avg $603/mo
Ray, Missouri has 46 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $603/mo; Bronze averages $476/mo and Gold $609/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1310 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $529/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Ray, Missouri ranks #1,310 of 2,055 counties by listed Silver average ($603/mo) and #914 of 2,055 by plan count (46 plans).
- #1,310 of 2,055
- Silver average among 2,055 counties
- $603
- Listed Silver average /mo
- #914 of 2,055
- Plan count among 2,055 counties
- 46
- 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.
Ray, Missouri offers 46 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $402/mo and Silver plans start at $525/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$603
Avg Silver Premium/mo
$529
Benchmark Premium/mo
+14.0%
Year-over-Year Change
$5,109
Avg Deductible
Mid-pack marketplace
Ray marketplace standing
46 plans from 4 issuers for plan year 2026. Corpus place #1310 of 2055 (highest Silver = #1).
Mid-pack Silver avg $603/mo with 46 plans . YoY average shift: +14.0%. Every plan sold in Ray 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
16 plans$476/mo avg
$402 - $546
Silver
16 plans$603/mo avg
$525 - $678
Gold
13 plans$609/mo avg
$482 - $659
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 Ray is $529/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
4
Competitive market
Benchmark Silver
$529 /mo
Sets your subsidy ceiling
Avg deductible
$5,109
Across all metal tiers
C
Marketplace Access Score
55/100
Ray
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 C+
$529/mo
Benchmark Silver premium; rank #1310 of 2055 tracked counties (cheapest first)
Plan Choice C
46 plans
ACA marketplace plan count; rank #914 of 2055 tracked counties (most first)
Issuer Competition C
4 issuers
Distinct marketplace issuers; rank #875 of 2055 tracked counties (most first)
Cost Predictability D
$5,109
Average deductible across tracked plans; rank #859 of 2055 tracked counties (lowest first)
Ray ACA plans by premium and deductible
Each marker is the Ray 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.
Ray ACA marketplace plans: premium vs deductible
How Ray's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Ray vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$603 1310th of 2055 higher than 745 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 Ray
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter Health | 16 | $585/mo |
| UnitedHealthcare | 13 | $617/mo |
| Oscar Insurance Company | 11 | $481/mo |
| Blue Cross and Blue Shield of Kansas City | 6 | $484/mo |
All Plans in Ray
| 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 | $487.21 | $594.13 | $10,600 | $10,600 |
| 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 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $407.20 | $496.57 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $414.43 | $505.38 | $4,700 | $9,800 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $416.74 | $508.20 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $424.49 | $517.65 | $0 | $10,600 |
| 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 |
| Standard Expanded Bronze Ambetter Health | Expanded Bronze | EPO | $482.10 | $587.91 | $7,500 | $10,000 |
| Everyday Bronze Ambetter Health | Expanded Bronze | EPO | $483.16 | $589.20 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $496.68 | $605.68 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $497.77 | $607.01 | $8,450 | $10,150 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $517.61 | $631.21 | $7,500 | $10,000 |
| Elite Bronze Ambetter Health | Expanded Bronze | EPO | $523.04 | $637.83 | $0 | $10,500 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $534.39 | $651.67 | $7,500 | $10,000 |
| Elite Bronze + Vision + Adult Dental Ambetter Health | Expanded Bronze | EPO | $538.85 | $657.11 | $0 | $10,500 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $546.13 | $665.98 | $0 | $10,600 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $524.73 | $639.89 | $5,100 | $10,000 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $528.52 | $644.51 | $6,000 | $8,900 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $529.56 | $645.78 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $532.03 | $648.79 | $6,000 | $10,150 |
| Silver Elite Saver Plus Oscar Insurance Company | Silver | EPO | $533.73 | $650.86 | $0 | $10,150 |
| 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 |
| Standard Silver Ambetter Health | Silver | EPO | $623.30 | $760.09 | $6,000 | $8,900 |
| Complete Silver Ambetter Health | Silver | EPO | $633.11 | $772.05 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $642.14 | $783.07 | $6,000 | $8,900 |
| Complete Silver + Vision + Adult Dental Ambetter Health | Silver | EPO | $652.25 | $795.39 | $5,950 | $8,850 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $660.96 | $806.02 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $661.05 | $806.13 | $3,500 | $10,300 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $674.26 | $822.24 | $0 | $10,600 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $677.74 | $826.48 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $677.82 | $826.58 | $3,500 | $10,300 |
| Gold Simple Oscar Insurance Company | Gold | EPO | $482.22 | $588.05 | $3,300 | $9,950 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $491.97 | $599.94 | $2,000 | $8,200 |
| Blue KC Standard Gold BlueSelect EPO Blue Cross and Blue Shield of Kansas City | Gold | EPO | $578.04 | $704.91 | $2,000 | $8,200 |
| Standard Gold Ambetter Health | Gold | EPO | $609.91 | $743.76 | $2,000 | $8,200 |
| Everyday Gold Ambetter Health | Gold | EPO | $617.05 | $752.47 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $628.34 | $766.24 | $2,000 | $8,200 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $632.79 | $771.67 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $635.71 | $775.22 | $800 | $7,250 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $636.31 | $775.95 | $1,500 | $8,100 |
| Complete Gold Ambetter Health | Gold | EPO | $637.82 | $777.80 | $1,450 | $7,700 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $653.08 | $796.41 | $1,500 | $8,100 |
| Complete Gold + Vision + Adult Dental Ambetter Health | Gold | EPO | $657.10 | $801.32 | $1,450 | $7,700 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $658.63 | $803.18 | $0 | $8,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $472/mo | $417 | $546 | 26 | 3 |
| 2023 | $515/mo | $452 | $654 | 20 | 3 |
| 2024 | $508/mo | $453 | $592 | 28 | 5 |
| 2025 | $533/mo | $454 | $676 | 22 | 5 |
| 2026 | $603/mo | $525 | $678 | 16 | 4 |
What this means for Ray
Use Ray's own numbers here, not a national average, before you enroll.
- $603/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 46 plans from 4 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
Where does Ray sit on Silver premiums vs other counties?
Ray ranks #1310 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $603/mo. See /methodology#corpus-placement.
How many ACA plans are available in Ray, MO?
There are 46 ACA marketplace plans available in Ray from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Ray?
The lowest-premium plan in Ray starts at $402/mo (Bronze tier, age 27). Silver plans start at $525/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Ray?
The benchmark (second-lowest Silver) premium in Ray is $529/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Ray premiums rise +14.0% year-over-year?
The average age-27 premium in Ray changed by +14.0% 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 Ray?
The average annual deductible across all plans in Ray is $5,109, and the average out-of-pocket maximum is $9,346. 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 Ray's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Ray, 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 Ray, MO's $529/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 Ray, 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 ($529/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 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.