ACA plans available
68
Plan year
2026 data Public-data reference. official source
Saint Charles, Missouri Health Insurance
Open-data reference.
68 ACA plans from 6 issuers — Plan year 2026
Saint Charles, Missouri offers 68 ACA marketplace plans from 6 issuers for plan year 2026. Bronze plans start at $333/mo and Silver plans start at $429/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$479
Avg Silver Premium/mo
$436
Benchmark Premium/mo
+24.8%
Year-over-Year Change
$4,955
Avg Deductible
What the Numbers Say About Saint Charles
Saint Charles, Missouri has 68 ACA marketplace plans offered by 6 issuers for plan year 2026. The average Silver-tier premium comes in at $479/mo for a 27-year-old non-tobacco user, with the lowest Silver at $429 and the highest at $521. Bronze plans start at $333/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $436/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 $4,955 and the average out-of-pocket maximum is $9,319 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Saint Charles shifted by +24.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 6 issuers active in Saint Charles, 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
2 plans$352/mo avg
$333 — $371
Silver
24 plans$479/mo avg
$429 — $521
Gold
19 plans$458/mo avg
$418 — $501
Catastrophic plan available: avg $299/mo (1 plan) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Saint Charles is $436/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
6
Competitive market
Benchmark Silver
$436 /mo
Sets your subsidy ceiling
Avg deductible
$4,955
Across all metal tiers
Saint Charles ACA plans by premium and deductible
Each marker is the Saint Charles 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 Saint Charles, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Saint Charles
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Ambetter from Home State Health | 16 | $403/mo |
| UnitedHealthcare | 13 | $469/mo |
| Oscar Insurance Company | 11 | $417/mo |
| Anthem Blue Cross and Blue Shield | 10 | $394/mo |
| Medica | 9 | $463/mo |
| Medica | 9 | $461/mo |
All Plans in Saint Charles
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Pathway (+ Incentives) Anthem Blue Cross and Blue Shield | Catastrophic | EPO | $299.37 | $365.07 | $10,600 | $10,600 |
| Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Bronze | EPO | $332.68 | $405.69 | $10,150 | $10,150 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | EPO | $370.52 | $451.84 | $10,600 | $10,600 |
| Standard Expanded Bronze Ambetter from Home State Health | Expanded Bronze | EPO | $331.90 | $404.74 | $7,500 | $10,000 |
| Everyday Bronze Ambetter from Home State Health | Expanded Bronze | EPO | $332.63 | $405.63 | $8,450 | $10,150 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter from Home State Health | Expanded Bronze | EPO | $341.93 | $416.97 | $7,500 | $10,000 |
| Everyday Bronze + Vision + Adult Dental Ambetter from Home State Health | Expanded Bronze | EPO | $342.68 | $417.89 | $8,450 | $10,150 |
| Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | EPO | $348.42 | $424.88 | $6,900 | $10,150 |
| Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | EPO | $352.93 | $430.39 | $4,900 | $10,150 |
| Bronze Classic Standard Oscar Insurance Company | Expanded Bronze | EPO | $353.00 | $430.47 | $7,500 | $10,000 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Expanded Bronze | EPO | $355.63 | $433.68 | $7,500 | $10,000 |
| Bronze Classic 4700 Oscar Insurance Company | Expanded Bronze | EPO | $359.26 | $438.11 | $4,700 | $9,800 |
| Elite Bronze Ambetter from Home State Health | Expanded Bronze | EPO | $360.08 | $439.11 | $0 | $10,500 |
| Bronze Simple Diabetes Oscar Insurance Company | Expanded Bronze | EPO | $361.26 | $440.54 | $5,500 | $10,150 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company | Expanded Bronze | EPO | $367.98 | $448.74 | $0 | $10,600 |
| Elite Bronze + Vision + Adult Dental Ambetter from Home State Health | Expanded Bronze | EPO | $370.97 | $452.38 | $0 | $10,500 |
| Medica with SSM Health Bronze Share Medica | Expanded Bronze | EPO | $383.94 | $468.20 | $8,000 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $393.65 | $480.04 | $7,500 | $10,000 |
| Balance by Medica Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $395.57 | $482.38 | $7,500 | $10,600 |
| Balance by Medica Expanded Bronze Standard Medica | Expanded Bronze | EPO | $398.93 | $486.48 | $7,500 | $10,000 |
| Medica with SSM Health Bronze $0 Copay PCP Visits Medica | Expanded Bronze | EPO | $399.10 | $486.68 | $7,500 | $10,600 |
| Medica with SSM Health Expanded Bronze Standard Medica | Expanded Bronze | EPO | $402.45 | $490.77 | $7,500 | $10,000 |
| Balance by Medica Bronze Premier Medica | Expanded Bronze | EPO | $402.76 | $491.16 | $2,000 | $10,600 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $406.40 | $495.60 | $7,500 | $10,000 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $415.33 | $506.48 | $0 | $10,600 |
| Standard Silver Ambetter from Home State Health | Silver | EPO | $429.10 | $523.28 | $6,000 | $8,900 |
| Complete Silver Ambetter from Home State Health | Silver | EPO | $435.86 | $531.51 | $5,950 | $8,850 |
| Standard Silver + Vision + Adult Dental Ambetter from Home State Health | Silver | EPO | $442.07 | $539.09 | $6,000 | $8,900 |
| Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | EPO | $447.48 | $545.68 | $7,200 | $8,625 |
| Complete Silver + Vision + Adult Dental Ambetter from Home State Health | Silver | EPO | $449.03 | $547.58 | $5,950 | $8,850 |
| Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | EPO | $452.59 | $551.92 | $5,350 | $8,600 |
| Silver Simple PCP Saver Oscar Insurance Company | Silver | EPO | $454.87 | $554.70 | $5,100 | $10,000 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | EPO | $455.32 | $555.25 | $6,000 | $8,900 |
| Silver Classic Standard Oscar Insurance Company | Silver | EPO | $458.16 | $558.71 | $6,000 | $8,900 |
| Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Silver | EPO | $458.66 | $559.32 | $3,100 | $10,150 |
| Silver Simple Diabetes Oscar Insurance Company | Silver | EPO | $459.07 | $559.81 | $6,500 | $10,000 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company | Silver | EPO | $461.20 | $562.42 | $6,000 | $10,150 |
| Silver Elite Saver Plus Oscar Insurance Company | Silver | EPO | $462.68 | $564.22 | $0 | $10,150 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | EPO | $502.66 | $612.98 | $6,000 | $8,900 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $502.73 | $613.06 | $3,500 | $10,300 |
| Balance by Medica Silver $0 Copay PCP Visits Medica | Silver | EPO | $507.41 | $618.77 | $3,500 | $10,450 |
| Balance by Medica Silver Share Medica | Silver | EPO | $509.51 | $621.33 | $3,525 | $8,850 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $512.78 | $625.32 | $0 | $10,600 |
| Medica with SSM Health Silver $0 Copay PCP Visits Medica | Silver | EPO | $513.56 | $626.27 | $3,500 | $10,450 |
| Balance by Medica Silver Standard Medica | Silver | EPO | $514.50 | $627.42 | $6,000 | $8,900 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $515.42 | $628.54 | $6,000 | $8,900 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Silver | EPO | $515.49 | $628.62 | $3,500 | $10,300 |
| Medica with SSM Health Silver Share Medica | Silver | EPO | $515.64 | $628.80 | $3,525 | $8,850 |
| Medica with SSM Health Silver Standard Medica | Silver | EPO | $520.74 | $635.03 | $6,000 | $8,900 |
| Gold Simple Oscar Insurance Company | Gold | EPO | $418.03 | $509.77 | $3,300 | $9,950 |
| Standard Gold Ambetter from Home State Health | Gold | EPO | $419.88 | $512.03 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Home State Health | Gold | EPO | $424.80 | $518.03 | $800 | $7,250 |
| Gold Classic Standard Oscar Insurance Company | Gold | EPO | $426.48 | $520.07 | $2,000 | $8,200 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield | Gold | EPO | $432.02 | $526.83 | $2,000 | $8,200 |
| Standard Gold + Vision + Adult Dental Ambetter from Home State Health | Gold | EPO | $432.58 | $527.51 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Home State Health | Gold | EPO | $437.65 | $533.69 | $800 | $7,250 |
| Complete Gold Ambetter from Home State Health | Gold | EPO | $439.10 | $535.47 | $1,450 | $7,700 |
| Complete Gold + Vision + Adult Dental Ambetter from Home State Health | Gold | EPO | $452.38 | $551.66 | $1,450 | $7,700 |
| Balance by Medica Gold $0 Copay PCP Visits Medica | Gold | EPO | $468.96 | $571.87 | $1,500 | $8,800 |
| Balance by Medica Gold Share Medica | Gold | EPO | $471.27 | $574.69 | $2,500 | $5,900 |
| Medica with SSM Health Gold $0 Copay PCP Visits Medica | Gold | EPO | $473.88 | $577.88 | $1,500 | $8,800 |
| Medica with SSM Health Gold Share Medica | Gold | EPO | $476.06 | $580.54 | $2,500 | $5,900 |
| Balance by Medica Gold Standard Medica | Gold | EPO | $478.31 | $583.28 | $2,000 | $8,200 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $481.24 | $586.86 | $2,000 | $8,200 |
| Medica with SSM Health Gold Standard Medica | Gold | EPO | $483.46 | $589.56 | $2,000 | $8,200 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Gold | EPO | $483.91 | $590.12 | $1,500 | $8,100 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare | Gold | EPO | $496.67 | $605.67 | $1,500 | $8,100 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare | Gold | EPO | $500.89 | $610.82 | $0 | $8,000 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $362/mo | $316 | $415 | 46 | 7 |
| 2023 | $379/mo | $330 | $428 | 40 | 8 |
| 2024 | $401/mo | $353 | $502 | 35 | 7 |
| 2025 | $414/mo | $342 | $530 | 29 | 7 |
| 2026 | $479/mo | $429 | $521 | 24 | 6 |
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 Saint Charles, MO?
There are 68 ACA marketplace plans available in Saint Charles from 6 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Saint Charles?
The lowest-premium plan in Saint Charles starts at $333/mo (Bronze tier, age 27). Silver plans start at $429/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Saint Charles?
The benchmark (second-lowest Silver) premium in Saint Charles is $436/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 Saint Charles?
Average premiums in Saint Charles changed by +24.8% 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 Saint Charles?
The average annual deductible across all plans in Saint Charles is $4,955, and the average out-of-pocket maximum is $9,319. 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 Saint Charles?
There are 6 insurance issuers offering ACA marketplace plans in Saint Charles, 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
