2026 plan year · Missouri
2026 health insurance plans in Clay County, MO
55 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $581benchmark silver (age 40)
- $442cheapest bronze (age 40)
- 5insurers
- +23%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Aetna CVS Health, Ambetter from Home State Health. See what to do if your insurer leaves.
- New here: Ambetter Health.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $410 | $523 | $1,111 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Expanded Bronze Ambetter Health · EPO | $346 | $442 | $939 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter Health · EPO | $347 | $443 | $941 | $8,450 | $10,150 | $40 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $354 | $452 | $961 | $7,500 | $10,000 | $50 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · EPO | $357 | $456 | $968 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · EPO | $357 | $457 | $970 | $8,450 | $10,150 | $40 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $360 | $460 | $978 | $4,700 | $9,800 | $70 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $362 | $463 | $983 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $369 | $471 | $1,001 | $0 | $10,600 | $50 |
| Elite Bronze Ambetter Health · EPO | $375 | $480 | $1,019 | $0 | $10,500 | $50 |
| Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $384 | $491 | $1,042 | $8,500 | $10,600 | No Charge |
| Elite Bronze + Vision + Adult Dental Ambetter Health · EPO | $387 | $494 | $1,050 | $0 | $10,500 | $50 |
| Blue KC Standard Bronze BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $417 | $533 | $1,132 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $435 | $556 | $1,181 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $449 | $574 | $1,219 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $459 | $587 | $1,246 | $0 | $10,600 | $50 |
| Select by Medica Bronze Share Medica · EPO | $572 | $731 | $1,553 | $8,000 | $10,600 | $50 |
| Select by Medica Bronze $0 Copay PCP Visits Medica · EPO | $595 | $760 | $1,614 | $7,500 | $10,600 | No Charge |
| Select by Medica Expanded Bronze Standard Medica · EPO | $600 | $766 | $1,627 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Silver Ambetter Health · EPO | $447 | $572 | $1,214 | $6,000 | $8,900 | $40 |
| Complete Silver Ambetter Health · EPO | $454 | $581 | $1,233 | $5,950 | $8,850 | $30 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $456 | $583 | $1,238 | $5,100 | $10,000 | $20 |
| Silver Classic Standard Oscar Insurance Company · EPO | $459 | $587 | $1,247 | $6,000 | $8,900 | $40 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $460 | $588 | $1,249 | $6,500 | $10,000 | No Charge |
| Standard Silver + Vision + Adult Dental Ambetter Health · EPO | $461 | $589 | $1,251 | $6,000 | $8,900 | $40 |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company · EPO | $462 | $591 | $1,255 | $6,000 | $10,150 | No Charge |
| Silver Elite Saver Plus Oscar Insurance Company · EPO | $464 | $593 | $1,259 | $0 | $10,150 | $80 |
| Complete Silver + Vision + Adult Dental Ambetter Health · EPO | $468 | $598 | $1,271 | $5,950 | $8,850 | $30 |
| Blue KC Choice Silver 1 with Spira Care BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $510 | $651 | $1,383 | $4,150 | $8,000 | No Charge |
| Blue KC Standard Silver BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $532 | $680 | $1,444 | $6,000 | $8,900 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $556 | $710 | $1,508 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $556 | $710 | $1,508 | $3,500 | $10,300 | $20 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $567 | $724 | $1,538 | $0 | $10,600 | $50 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $570 | $728 | $1,546 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $570 | $728 | $1,546 | $3,500 | $10,300 | $20 |
| Select by Medica Silver $0 Copay PCP Visits Medica · EPO | $763 | $975 | $2,070 | $3,500 | $10,450 | No Charge |
| Select by Medica Silver Share Medica · EPO | $766 | $979 | $2,079 | $3,525 | $8,850 | $30 |
| Select by Medica Silver Standard Medica · EPO | $773 | $988 | $2,099 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Gold Simple Oscar Insurance Company · EPO | $419 | $536 | $1,137 | $3,300 | $9,950 | $5 |
| Gold Classic Standard Oscar Insurance Company · EPO | $428 | $546 | $1,160 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter Health · EPO | $438 | $559 | $1,188 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · EPO | $443 | $566 | $1,202 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter Health · EPO | $451 | $576 | $1,224 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · EPO | $456 | $583 | $1,238 | $800 | $7,250 | $35 |
| Complete Gold Ambetter Health · EPO | $458 | $585 | $1,243 | $1,450 | $7,700 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter Health · EPO | $472 | $603 | $1,280 | $1,450 | $7,700 | $15 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $532 | $680 | $1,443 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $535 | $684 | $1,452 | $1,500 | $8,100 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $549 | $702 | $1,490 | $1,500 | $8,100 | $15 |
| Blue KC Standard Gold BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $552 | $705 | $1,497 | $2,000 | $8,200 | $30 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $554 | $707 | $1,502 | $0 | $8,000 | $25 |
| Select by Medica Gold $0 Copay PCP Visits Medica · EPO | $705 | $901 | $1,913 | $1,500 | $8,800 | No Charge |
| Select by Medica Gold Share Medica · EPO | $708 | $905 | $1,923 | $2,500 | $5,900 | $30 |
| Select by Medica Gold Standard Medica · EPO | $719 | $919 | $1,951 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue KC Catastrophic BlueSelect EPO Blue Cross and Blue Shield of Kansas City · EPO | $379 | $485 | $1,029 | $10,600 | $10,600 | $100 |
Care quality in Clay County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Clay County.
Frequently asked questions
How many Marketplace health plans are available in Clay County, MO for 2026?
55 plans from 5 insurers: Ambetter Health, Blue Cross and Blue Shield of Kansas City, Medica, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Clay County, MO?
For 2026, the second-lowest-cost silver plan costs $581 a month for a 40-year-old before tax credits, up 23% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Clay County, MO?
The lowest bronze premium for a 40-year-old is $442 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Clay County, MO?
Aetna CVS Health, Ambetter from Home State Health offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.