ACA plans available
23
Plan year 2026
CMS Marketplace county · plan year 2026
Saint Francois, 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
- $485
- Silver avg/mo
- 23
- ACA plans
- 2
- Issuers
- +10.2%
- YoY premium
Silver avg $485/mo
Saint Francois, Missouri has 23 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $485/mo; Bronze averages $372/mo and Gold $479/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1898 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $453/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Saint Francois, Missouri ranks #1,898 of 2,055 counties by listed Silver average ($485/mo) and #1,894 of 2,055 by plan count (23 plans).
- #1,898 of 2,055
- Silver average among 2,055 counties
- $485
- Listed Silver average /mo
- #1,894 of 2,055
- Plan count among 2,055 counties
- 23
- 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.
Saint Francois, Missouri offers 23 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $333/mo and Silver plans start at $447/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$485
Avg Silver Premium/mo
$453
Benchmark Premium/mo
+10.2%
Year-over-Year Change
$5,665
Avg Deductible
Lower-premium band
Saint Francois in the lower-premium third
$485/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1898 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $447–$515/mo. Plan book is thin (23 plans) relative to other tracked counties. Every plan sold in Saint Francois 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
8 plans$372/mo avg
$333 - $415
Silver
9 plans$485/mo avg
$447 - $515
Gold
5 plans$479/mo avg
$432 - $501
Catastrophic plan available: avg $299/mo (1 plan) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Saint Francois is $453/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
2
Some competition
Benchmark Silver
$453 /mo
Sets your subsidy ceiling
Avg deductible
$5,665
Across all metal tiers
F
Marketplace Access Score
36/100
Saint Francois
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 A+
$453/mo
Benchmark Silver premium; rank #1898 of 2055 tracked counties (cheapest first)
Plan Choice F
23 plans
ACA marketplace plan count; rank #1894 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1923 of 2055 tracked counties (most first)
Cost Predictability F
$5,665
Average deductible across tracked plans; rank #87 of 2055 tracked counties (lowest first)
Saint Francois ACA plans by premium and deductible
Each marker is the Saint Francois 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.
Saint Francois ACA marketplace plans: premium vs deductible
How Saint Francois's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Saint Francois vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$485 1898th of 2055 higher than 157 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 Saint Francois
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $469/mo |
| Anthem Blue Cross and Blue Shield | 10 | $394/mo |
All Plans in Saint Francois
| 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 |
| 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 |
| 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 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | EPO | $393.65 | $480.04 | $7,500 | $10,000 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare | Silver | EPO | $512.78 | $625.32 | $0 | $10,600 |
| 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 |
| 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 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | EPO | $481.24 | $586.86 | $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 | $374/mo | $349 | $389 | 13 | 2 |
| 2023 | $363/mo | $330 | $428 | 14 | 3 |
| 2024 | $376/mo | $353 | $401 | 10 | 2 |
| 2025 | $439/mo | $360 | $530 | 14 | 3 |
| 2026 | $485/mo | $447 | $515 | 9 | 2 |
What this means for Saint Francois
Use Saint Francois's own numbers here, not a national average, before you enroll.
- $485/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
- 23 plans from 2 issuers puts Saint Francois in the thinnest third of tracked counties -- check the rest of Missouri for more options. All of Missouri
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 Saint Francois's Silver premium in the lower band?
Saint Francois ranks #1898 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $485/mo. See /methodology#corpus-placement.
Why does Saint Francois carry a thin ACA plan book?
Saint Francois lists 23 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Saint Francois?
The lowest-premium plan in Saint Francois starts at $333/mo (Bronze tier, age 27). Silver plans start at $447/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Saint Francois?
The benchmark (second-lowest Silver) premium in Saint Francois is $453/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Saint Francois premiums rise +10.2% year-over-year?
The average age-27 premium in Saint Francois changed by +10.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Saint Francois?
Only 2 issuers sell marketplace plans in Saint Francois (UnitedHealthcare and Anthem Blue Cross and Blue Shield). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Saint Francois?
There are 2 insurance issuers offering ACA marketplace plans in Saint Francois, including UnitedHealthcare, Anthem Blue Cross and Blue Shield. 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 Saint Francois, MO's $453/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 Saint Francois, 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 ($453/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (2 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.