2026 plan year · Missouri
2026 health insurance plans in Cooper County, MO
48 Marketplace plans from 4 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $715benchmark silver (age 40)
- $546cheapest bronze (age 40)
- 4insurers
- +23.7%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: 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 | $427 | $546 | $1,159 | $10,600 | $10,600 | No Charge after Deductible |
| Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $460 | $588 | $1,248 | $10,150 | $10,150 | 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 | $433 | $553 | $1,174 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter Health · EPO | $434 | $554 | $1,177 | $8,450 | $10,150 | $40 |
| Medica with MU Health Care Bronze $0 Copay PCP Visits Medica · EPO | $436 | $558 | $1,184 | $7,500 | $10,600 | No Charge |
| Medica with MU Health Care Expanded Bronze Standard Medica · EPO | $440 | $562 | $1,194 | $7,500 | $10,000 | $50 |
| Medica with MU Health Care Bronze Premier Medica · EPO | $444 | $568 | $1,206 | $2,000 | $10,600 | No Charge after Deductible |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · EPO | $446 | $570 | $1,210 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · EPO | $447 | $571 | $1,213 | $8,450 | $10,150 | $40 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $454 | $580 | $1,231 | $7,500 | $10,000 | $50 |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $468 | $599 | $1,271 | $7,500 | $10,000 | $50 |
| Elite Bronze Ambetter Health · EPO | $470 | $600 | $1,274 | $0 | $10,500 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $479 | $612 | $1,299 | $0 | $10,600 | $50 |
| Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $481 | $615 | $1,307 | $6,900 | $10,150 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · EPO | $484 | $618 | $1,313 | $0 | $10,500 | $50 |
| Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $488 | $623 | $1,324 | $4,900 | $10,150 | $55 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $491 | $628 | $1,334 | $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 | $560 | $715 | $1,518 | $6,000 | $8,900 | $40 |
| Medica with MU Health Care Silver $0 Copay PCP Visits Medica · EPO | $560 | $715 | $1,519 | $3,500 | $10,450 | No Charge |
| Medica with MU Health Care Silver Share Medica · EPO | $562 | $718 | $1,526 | $3,525 | $8,850 | $30 |
| Medica with MU Health Care Silver Standard Medica · EPO | $568 | $725 | $1,540 | $6,000 | $8,900 | $40 |
| Complete Silver Ambetter Health · EPO | $568 | $726 | $1,542 | $5,950 | $8,850 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter Health · EPO | $576 | $737 | $1,564 | $6,000 | $8,900 | $40 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $579 | $740 | $1,572 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $579 | $740 | $1,573 | $3,500 | $10,300 | $20 |
| Complete Silver + Vision + Adult Dental Ambetter Health · EPO | $585 | $748 | $1,589 | $5,950 | $8,850 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $591 | $755 | $1,604 | $0 | $10,600 | $50 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $594 | $759 | $1,612 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $594 | $759 | $1,612 | $3,500 | $10,300 | $20 |
| Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $618 | $790 | $1,678 | $7,200 | $8,625 | $20 |
| Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $625 | $799 | $1,697 | $5,350 | $8,600 | $30 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $629 | $804 | $1,708 | $6,000 | $8,900 | $40 |
| Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $634 | $810 | $1,720 | $3,100 | $10,150 | $25 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Medica with MU Health Care Gold $0 Copay PCP Visits Medica · EPO | $517 | $661 | $1,404 | $1,500 | $8,800 | No Charge |
| Medica with MU Health Care Gold Share Medica · EPO | $520 | $664 | $1,411 | $2,500 | $5,900 | $30 |
| Medica with MU Health Care Gold Standard Medica · EPO | $528 | $674 | $1,432 | $2,000 | $8,200 | $30 |
| Standard Gold Ambetter Health · EPO | $547 | $700 | $1,486 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · EPO | $554 | $708 | $1,503 | $800 | $7,250 | $35 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $555 | $709 | $1,505 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $558 | $713 | $1,514 | $1,500 | $8,100 | $15 |
| Standard Gold + Vision + Adult Dental Ambetter Health · EPO | $564 | $721 | $1,531 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · EPO | $571 | $729 | $1,549 | $800 | $7,250 | $35 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $572 | $732 | $1,554 | $1,500 | $8,100 | $15 |
| Complete Gold Ambetter Health · EPO | $573 | $732 | $1,554 | $1,450 | $7,700 | $15 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $577 | $738 | $1,567 | $0 | $8,000 | $25 |
| Complete Gold + Vision + Adult Dental Ambetter Health · EPO | $590 | $754 | $1,601 | $1,450 | $7,700 | $15 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $597 | $763 | $1,620 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Anthem Catastrophic Pathway (+ Incentives) Anthem Blue Cross and Blue Shield · EPO | $414 | $529 | $1,123 | $10,600 | $10,600 | $40 |
Care quality in Cooper 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 Cooper County.
Frequently asked questions
How many Marketplace health plans are available in Cooper County, MO for 2026?
48 plans from 4 insurers: Ambetter Health, Anthem Blue Cross and Blue Shield, Medica, UnitedHealthcare.
What is the benchmark silver plan premium in Cooper County, MO?
For 2026, the second-lowest-cost silver plan costs $715 a month for a 40-year-old before tax credits, up 23.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Cooper County, MO?
The lowest bronze premium for a 40-year-old is $546 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Cooper County, MO?
Ambetter from Home State Health offered plans here in 2025 but doesn'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.