2026 plan year · Missouri
2026 health insurance plans in Saint Louis County, MO
68 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.
- $532benchmark silver (age 40)
- $405cheapest bronze (age 40)
- 5insurers
- +26%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 |
|---|---|---|---|---|---|---|
| Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $317 | $406 | $862 | $10,150 | $10,150 | No Charge after Deductible |
| UHC Bronze Essential (No Referrals) UnitedHealthcare · EPO | $354 | $452 | $960 | $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 | $317 | $405 | $860 | $7,500 | $10,000 | $50 |
| Everyday Bronze Ambetter Health · EPO | $317 | $406 | $861 | $8,450 | $10,150 | $40 |
| Standard Expanded Bronze + Vision + Adult Dental Ambetter Health · EPO | $326 | $417 | $886 | $7,500 | $10,000 | $50 |
| Everyday Bronze + Vision + Adult Dental Ambetter Health · EPO | $327 | $418 | $887 | $8,450 | $10,150 | $40 |
| Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $332 | $425 | $902 | $6,900 | $10,150 | $50 |
| Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $337 | $430 | $914 | $4,900 | $10,150 | $55 |
| Bronze Classic Standard Oscar Insurance Company · EPO | $337 | $430 | $914 | $7,500 | $10,000 | $50 |
| Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $339 | $434 | $921 | $7,500 | $10,000 | $50 |
| Bronze Classic 4700 Oscar Insurance Company · EPO | $343 | $438 | $930 | $4,700 | $9,800 | $70 |
| Elite Bronze Ambetter Health · EPO | $344 | $439 | $933 | $0 | $10,500 | $50 |
| Bronze Simple Diabetes Oscar Insurance Company · EPO | $345 | $441 | $936 | $5,500 | $10,150 | $50 |
| Bronze Elite + PCP Saver Plus Oscar Insurance Company · EPO | $351 | $449 | $953 | $0 | $10,600 | $50 |
| Elite Bronze + Vision + Adult Dental Ambetter Health · EPO | $354 | $452 | $961 | $0 | $10,500 | $50 |
| Medica with SSM Health Bronze Share Medica · EPO | $366 | $468 | $994 | $8,000 | $10,600 | $50 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare · EPO | $376 | $480 | $1,019 | $7,500 | $10,000 | $50 |
| Balance by Medica Bronze $0 Copay PCP Visits Medica · EPO | $377 | $482 | $1,024 | $7,500 | $10,600 | No Charge |
| Balance by Medica Expanded Bronze Standard Medica · EPO | $381 | $486 | $1,033 | $7,500 | $10,000 | $50 |
| Medica with SSM Health Bronze $0 Copay PCP Visits Medica · EPO | $381 | $487 | $1,034 | $7,500 | $10,600 | No Charge |
| Medica with SSM Health Expanded Bronze Standard Medica · EPO | $384 | $491 | $1,042 | $7,500 | $10,000 | $50 |
| Balance by Medica Bronze Premier Medica · EPO | $384 | $491 | $1,043 | $2,000 | $10,600 | No Charge after Deductible |
| UHC Bronze Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $388 | $496 | $1,052 | $7,500 | $10,000 | $50 |
| UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $396 | $506 | $1,076 | $0 | $10,600 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Silver Ambetter Health · EPO | $409 | $523 | $1,111 | $6,000 | $8,900 | $40 |
| Complete Silver Ambetter Health · EPO | $416 | $532 | $1,129 | $5,950 | $8,850 | $30 |
| Standard Silver + Vision + Adult Dental Ambetter Health · EPO | $422 | $539 | $1,145 | $6,000 | $8,900 | $40 |
| Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $427 | $546 | $1,159 | $7,200 | $8,625 | $20 |
| Complete Silver + Vision + Adult Dental Ambetter Health · EPO | $428 | $548 | $1,163 | $5,950 | $8,850 | $30 |
| Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $432 | $552 | $1,172 | $5,350 | $8,600 | $30 |
| Silver Simple PCP Saver Oscar Insurance Company · EPO | $434 | $555 | $1,178 | $5,100 | $10,000 | $20 |
| Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $434 | $555 | $1,179 | $6,000 | $8,900 | $40 |
| Silver Classic Standard Oscar Insurance Company · EPO | $437 | $559 | $1,187 | $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 | $438 | $559 | $1,188 | $3,100 | $10,150 | $25 |
| Silver Simple Diabetes Oscar Insurance Company · EPO | $438 | $560 | $1,189 | $6,500 | $10,000 | No Charge |
| Silver Simple Women's Health with Menopause Benefits Oscar Insurance Company · EPO | $440 | $562 | $1,194 | $6,000 | $10,150 | No Charge |
| Silver Elite Saver Plus Oscar Insurance Company · EPO | $442 | $564 | $1,198 | $0 | $10,150 | $80 |
| UHC Silver Standard (No Referrals) UnitedHealthcare · EPO | $480 | $613 | $1,302 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $480 | $613 | $1,302 | $3,500 | $10,300 | $20 |
| Balance by Medica Silver $0 Copay PCP Visits Medica · EPO | $484 | $619 | $1,314 | $3,500 | $10,450 | No Charge |
| Balance by Medica Silver Share Medica · EPO | $486 | $621 | $1,319 | $3,525 | $8,850 | $30 |
| UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $489 | $625 | $1,328 | $0 | $10,600 | $50 |
| Medica with SSM Health Silver $0 Copay PCP Visits Medica · EPO | $490 | $626 | $1,330 | $3,500 | $10,450 | No Charge |
| Balance by Medica Silver Standard Medica · EPO | $491 | $627 | $1,332 | $6,000 | $8,900 | $40 |
| UHC Silver Standard+ (Dental + Vision, No Referrals) UnitedHealthcare · EPO | $492 | $629 | $1,335 | $6,000 | $8,900 | $40 |
| UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $492 | $629 | $1,335 | $3,500 | $10,300 | $20 |
| Medica with SSM Health Silver Share Medica · EPO | $492 | $629 | $1,335 | $3,525 | $8,850 | $30 |
| Medica with SSM Health Silver Standard Medica · EPO | $497 | $635 | $1,349 | $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 | $399 | $510 | $1,083 | $3,300 | $9,950 | $5 |
| Standard Gold Ambetter Health · EPO | $401 | $512 | $1,087 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter Health · EPO | $405 | $518 | $1,100 | $800 | $7,250 | $35 |
| Gold Classic Standard Oscar Insurance Company · EPO | $407 | $520 | $1,104 | $2,000 | $8,200 | $30 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) Anthem Blue Cross and Blue Shield · EPO | $412 | $527 | $1,119 | $2,000 | $8,200 | $30 |
| Standard Gold + Vision + Adult Dental Ambetter Health · EPO | $413 | $528 | $1,120 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter Health · EPO | $418 | $534 | $1,133 | $800 | $7,250 | $35 |
| Complete Gold Ambetter Health · EPO | $419 | $535 | $1,137 | $1,450 | $7,700 | $15 |
| Complete Gold + Vision + Adult Dental Ambetter Health · EPO | $432 | $552 | $1,172 | $1,450 | $7,700 | $15 |
| Balance by Medica Gold $0 Copay PCP Visits Medica · EPO | $447 | $572 | $1,214 | $1,500 | $8,800 | No Charge |
| Balance by Medica Gold Share Medica · EPO | $450 | $575 | $1,220 | $2,500 | $5,900 | $30 |
| Medica with SSM Health Gold $0 Copay PCP Visits Medica · EPO | $452 | $578 | $1,227 | $1,500 | $8,800 | No Charge |
| Medica with SSM Health Gold Share Medica · EPO | $454 | $581 | $1,233 | $2,500 | $5,900 | $30 |
| Balance by Medica Gold Standard Medica · EPO | $456 | $583 | $1,239 | $2,000 | $8,200 | $30 |
| UHC Gold Standard (No Referrals) UnitedHealthcare · EPO | $459 | $587 | $1,246 | $2,000 | $8,200 | $30 |
| Medica with SSM Health Gold Standard Medica · EPO | $461 | $590 | $1,252 | $2,000 | $8,200 | $30 |
| UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) UnitedHealthcare · EPO | $462 | $590 | $1,253 | $1,500 | $8,100 | $15 |
| UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) UnitedHealthcare · EPO | $474 | $606 | $1,286 | $1,500 | $8,100 | $15 |
| UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) UnitedHealthcare · EPO | $478 | $611 | $1,297 | $0 | $8,000 | $25 |
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 | $286 | $365 | $775 | $10,600 | $10,600 | $40 |
Frequently asked questions
How many Marketplace health plans are available in Saint Louis County, MO for 2026?
68 plans from 5 insurers: Ambetter Health, Anthem Blue Cross and Blue Shield, Medica, Oscar Insurance Company, UnitedHealthcare.
What is the benchmark silver plan premium in Saint Louis County, MO?
For 2026, the second-lowest-cost silver plan costs $532 a month for a 40-year-old before tax credits, up 26% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Saint Louis County, MO?
The lowest bronze premium for a 40-year-old is $405 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Saint Louis 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.