Missouri ACA Health Insurance
115 counties, 8 issuers, 117 plans
Premium Range
Premiums in Missouri range from $299/mo to $813/mo (age 27 base rate).
Reading the Missouri Marketplace
The ACA marketplace in Missouri lists 117 plans from 8 issuers spread across 115 counties. The statewide average premium is $548/mo for a 27-year-old, $669/mo at age 40, and $1,420/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $299 at the low end to $813 at the high end, before subsidies.
Geography drives most of the within-state variation: Clark posts the highest Silver average at $704/mo, while Sainte Genevieve sits at $471/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,056, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Missouri (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Missouri ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Clark | $704/mo | 23 | 2 |
| 2 | Lewis | $704/mo | 23 | 2 |
| 3 | Marion | $704/mo | 23 | 2 |
| 4 | Schuyler | $704/mo | 23 | 2 |
| 5 | Scotland | $704/mo | 23 | 2 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Sainte Genevieve | $471/mo | 39 | 3 |
| 2 | Washington | $471/mo | 39 | 3 |
| 3 | Lincoln | $474/mo | 59 | 5 |
| 4 | Franklin | $478/mo | 48 | 4 |
| 5 | Jefferson | $478/mo | 48 | 4 |
All Counties in Missouri
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Adair | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Andrew | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Atchison | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Audrain | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Barry | $568 | $420 | $536 | 55 | 5 | +31.8% |
| Barton | $557 | $401 | $541 | 48 | 4 | +29.8% |
| Bates | $596 | $436 | $576 | 45 | 4 | +21.5% |
| Benton | $611 | $436 | $587 | 34 | 3 | +21.1% |
| Bollinger | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Boone | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Buchanan | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Butler | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Caldwell | $696 | $487 | $667 | 43 | 4 | +31.8% |
| Callaway | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Camden | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Cape Girardeau | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Carroll | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Carter | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Cass | $585 | $429 | $561 | 54 | 5 | +29.0% |
| Cedar | $567 | $436 | $534 | 48 | 4 | +32.8% |
| Chariton | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Christian | $568 | $420 | $536 | 55 | 5 | +31.8% |
| Clark | $704 | $519 | $652 | 23 | 2 | +25.0% |
| Clay | $568 | $429 | $551 | 55 | 5 | +26.8% |
| Clinton | $652 | $487 | $645 | 54 | 5 | +29.2% |
| Cole | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Cooper | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Crawford | $631 | $487 | $581 | 39 | 3 | +23.1% |
| Dade | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Dallas | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Daviess | $696 | $487 | $667 | 43 | 4 | +31.8% |
| DeKalb | $696 | $487 | $667 | 43 | 4 | +31.8% |
| Dent | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Douglas | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Dunklin | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Franklin | $478 | $352 | $459 | 48 | 4 | +25.0% |
| Gasconade | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Gentry | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Greene | $567 | $436 | $534 | 48 | 4 | +31.9% |
| Grundy | $696 | $487 | $667 | 43 | 4 | +31.8% |
| Harrison | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Henry | $626 | $436 | $605 | 54 | 5 | +28.0% |
| Hickory | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Holt | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Howard | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Howell | $622 | $487 | $572 | 48 | 4 | +31.1% |
| Iron | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Jackson | $565 | $429 | $550 | 58 | 5 | +26.5% |
| Jasper | $557 | $401 | $541 | 48 | 4 | +26.1% |
| Jefferson | $478 | $352 | $459 | 48 | 4 | +25.0% |
| Johnson | $609 | $436 | $595 | 55 | 5 | +26.0% |
| Knox | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Laclede | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Lafayette | $609 | $436 | $595 | 55 | 5 | +26.0% |
| Lawrence | $568 | $420 | $536 | 55 | 5 | +31.8% |
| Lewis | $704 | $519 | $652 | 23 | 2 | +25.0% |
| Lincoln | $474 | $352 | $454 | 59 | 5 | +25.9% |
| Linn | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Livingston | $696 | $487 | $667 | 43 | 4 | +31.8% |
| Macon | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Madison | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Maries | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Marion | $704 | $519 | $652 | 23 | 2 | +25.0% |
| McDonald | $557 | $401 | $541 | 48 | 4 | +26.1% |
| Mercer | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Miller | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Mississippi | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Moniteau | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Monroe | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Montgomery | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Morgan | $617 | $465 | $586 | 48 | 4 | +27.0% |
| New Madrid | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Newton | $557 | $401 | $541 | 48 | 4 | +26.1% |
| Nodaway | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Oregon | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Osage | $617 | $465 | $586 | 48 | 4 | +27.0% |
| Ozark | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Pemiscot | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Perry | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Pettis | $611 | $436 | $587 | 34 | 3 | +21.1% |
| Phelps | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Pike | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Platte | $568 | $429 | $551 | 55 | 5 | +26.8% |
| Polk | $567 | $436 | $534 | 48 | 4 | +31.4% |
| Pulaski | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Putnam | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Ralls | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Randolph | $624 | $465 | $596 | 39 | 3 | +23.9% |
| Ray | $603 | $487 | $609 | 46 | 4 | +22.1% |
| Reynolds | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Ripley | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Saint Charles | $479 | $352 | $458 | 68 | 6 | +24.8% |
| Saint Clair | $629 | $436 | $599 | 43 | 4 | +28.9% |
| Saint Francois | $485 | $352 | $479 | 23 | 2 | +15.3% |
| Saint Louis | $479 | $352 | $458 | 68 | 6 | +24.8% |
| Saint Louis City | $479 | $352 | $458 | 68 | 6 | +24.8% |
| Sainte Genevieve | $471 | $352 | $455 | 39 | 3 | +20.6% |
| Saline | $611 | $436 | $587 | 34 | 3 | +21.1% |
| Schuyler | $704 | $519 | $652 | 23 | 2 | +25.0% |
| Scotland | $704 | $519 | $652 | 23 | 2 | +25.0% |
| Scott | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Shannon | $631 | $487 | $581 | 39 | 3 | +27.3% |
| Shelby | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Stoddard | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Stone | $568 | $420 | $536 | 55 | 5 | +31.8% |
| Sullivan | $689 | $519 | $649 | 39 | 3 | +27.2% |
| Taney | $568 | $420 | $536 | 55 | 5 | +31.8% |
| Texas | $622 | $487 | $572 | 48 | 4 | +31.1% |
| Vernon | $629 | $436 | $599 | 43 | 4 | +28.9% |
| Warren | $479 | $352 | $458 | 68 | 6 | +24.8% |
| Washington | $471 | $352 | $455 | 39 | 3 | +20.6% |
| Wayne | $657 | $491 | $626 | 39 | 3 | +27.7% |
| Webster | $567 | $436 | $534 | 48 | 4 | +31.9% |
| Worth | $666 | $487 | $645 | 34 | 3 | +26.4% |
| Wright | $567 | $436 | $534 | 48 | 4 | +31.4% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Missouri
The Affordable Care Act marketplace in Missouri offers 117 health insurance plans from 8 issuers across 115 counties. Premiums vary significantly by geography: the most expensive county (Clark) averages $704/mo for a Silver plan, while the most affordable (Sainte Genevieve) averages $471/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,056, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in Missouri? ▼
What is the cheapest health insurance plan in Missouri? ▼
How many health insurance companies operate in Missouri? ▼
Where is health insurance most expensive in Missouri? ▼
What is the average deductible for health plans in Missouri? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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