Short answer: Missouri uses HealthCare.gov. For 2027, 6 insurers sell marketplace plans across its 115 counties; every 2027 marketplace plan in Missouri is an EPO, so routine care is covered inside the plan’s network only. The cheapest Silver plan for a 40-year-old runs from $590 a month (Franklin County) to $948 (Scotland County) before any tax credit, and the cheapest Gold costs less than the cheapest Silver in 115 of 115 counties. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- 6insurers selling Missouri marketplace plans for 2027
- $801a month: the typical county’s cheapest 2027 Silver plan for a 40-year-old
- 0 of 115counties with a marketplace PPO plan for 2027
- 115 of 115counties where the cheapest Gold beats the cheapest Silver
Who Sells Marketplace Plans in Missouri for 2027
UnitedHealthcare (all 115 counties), Ambetter (109), Anthem Blue Cross and Blue Shield (85), Medica (41), Blue Cross and Blue Shield of Kansas City (30) and Oscar (25).
Lowest 2027 Prices by Metro
| Area | Bronze | Silver | Gold | Silver deductible |
|---|---|---|---|---|
| St. Louis area (Saint Louis County) | $447 | $590 | $561 | $6,400 |
| Kansas City (Jackson County) | $492 | $649 | $628 | $6,400 |
| Springfield (Greene County) | $519 | $686 | $663 | $6,400 |
| St. Charles (Saint Charles County) | $447 | $590 | $561 | $6,400 |
| Columbia (Boone County) | $606 | $801 | $774 | $6,400 |
Lowest monthly price in each metal tier for a 40-year-old, before any tax credit, from the CMS plan year 2027 landscape file. The deductible is the cheapest Silver plan’s.
Every Missouri County
| County | Rating area | Insurers | Plans | Lowest Silver, age 40 | Lowest Bronze, age 40 |
|---|---|---|---|---|---|
| Adair | 2 | 3 | 44 | $826 | $626 |
| Andrew | 1 | 3 | 40 | $837 | $634 |
| Atchison | 1 | 3 | 40 | $837 | $634 |
| Audrain | 5 | 3 | 44 | $801 | $606 |
| Barry | 8 | 5 | 66 | $686 | $519 |
| Barton | 7 | 5 | 66 | $648 | $491 |
| Bates | 4 | 4 | 54 | $717 | $543 |
| Benton | 4 | 3 | 40 | $717 | $543 |
| Bollinger | 10 | 3 | 44 | $817 | $619 |
| Boone | 5 | 4 | 52 | $801 | $606 |
| Buchanan | 1 | 3 | 40 | $837 | $634 |
| Butler | 10 | 3 | 44 | $817 | $619 |
| Caldwell | 1 | 3 | 40 | $837 | $634 |
| Callaway | 5 | 4 | 52 | $801 | $606 |
| Camden | 5 | 4 | 52 | $801 | $606 |
| Cape Girardeau | 10 | 3 | 44 | $817 | $619 |
| Carroll | 1 | 3 | 40 | $837 | $634 |
| Carter | 9 | 3 | 44 | $774 | $586 |
| Cass | 3 | 4 | 54 | $649 | $492 |
| Cedar | 8 | 4 | 52 | $686 | $519 |
| Chariton | 5 | 3 | 44 | $801 | $606 |
| Christian | 8 | 5 | 66 | $686 | $519 |
| Clark | 2 | 2 | 27 | $948 | $677 |
| Clay | 3 | 4 | 56 | $649 | $492 |
| Clinton | 1 | 4 | 54 | $748 | $578 |
| Cole | 5 | 4 | 52 | $801 | $606 |
| Cooper | 5 | 4 | 52 | $801 | $606 |
| Crawford | 9 | 3 | 44 | $774 | $586 |
| Dade | 8 | 5 | 66 | $686 | $519 |
| Dallas | 8 | 4 | 52 | $686 | $519 |
| Daviess | 1 | 3 | 40 | $837 | $634 |
| DeKalb | 1 | 3 | 40 | $837 | $634 |
| Dent | 9 | 3 | 44 | $774 | $586 |
| Douglas | 8 | 4 | 52 | $686 | $519 |
| Dunklin | 10 | 3 | 44 | $817 | $619 |
| Franklin | 6 | 4 | 52 | $590 | $447 |
| Gasconade | 5 | 3 | 44 | $801 | $606 |
| Gentry | 1 | 3 | 40 | $837 | $634 |
| Greene | 8 | 5 | 66 | $686 | $519 |
| Grundy | 1 | 3 | 40 | $837 | $634 |
| Harrison | 1 | 3 | 40 | $837 | $634 |
| Henry | 4 | 4 | 54 | $717 | $543 |
| Hickory | 8 | 4 | 52 | $686 | $519 |
| Holt | 1 | 3 | 40 | $837 | $634 |
| Howard | 5 | 4 | 52 | $801 | $606 |
| Howell | 9 | 4 | 52 | $774 | $586 |
| Iron | 9 | 3 | 44 | $774 | $586 |
| Jackson | 3 | 4 | 56 | $649 | $492 |
| Jasper | 7 | 4 | 52 | $648 | $491 |
| Jefferson | 6 | 4 | 52 | $590 | $447 |
| Johnson | 4 | 4 | 53 | $717 | $530 |
| Knox | 2 | 3 | 44 | $826 | $626 |
| Laclede | 8 | 4 | 52 | $686 | $519 |
| Lafayette | 4 | 4 | 53 | $717 | $530 |
| Lawrence | 8 | 5 | 66 | $686 | $519 |
| Lewis | 2 | 2 | 27 | $948 | $677 |
| Lincoln | 6 | 5 | 66 | $590 | $447 |
| Linn | 2 | 3 | 44 | $826 | $626 |
| Livingston | 1 | 3 | 40 | $837 | $634 |
| Macon | 2 | 3 | 44 | $826 | $626 |
| Madison | 10 | 3 | 44 | $817 | $619 |
| Maries | 5 | 3 | 44 | $801 | $606 |
| Marion | 2 | 2 | 27 | $948 | $677 |
| McDonald | 7 | 4 | 52 | $648 | $491 |
| Mercer | 1 | 3 | 40 | $837 | $634 |
| Miller | 5 | 4 | 52 | $801 | $606 |
| Mississippi | 10 | 3 | 44 | $817 | $619 |
| Moniteau | 5 | 4 | 52 | $801 | $606 |
| Monroe | 5 | 3 | 44 | $801 | $606 |
| Montgomery | 5 | 3 | 44 | $801 | $606 |
| Morgan | 5 | 4 | 52 | $801 | $606 |
| New Madrid | 10 | 3 | 44 | $817 | $619 |
| Newton | 7 | 4 | 52 | $648 | $491 |
| Nodaway | 1 | 3 | 40 | $837 | $634 |
| Oregon | 9 | 3 | 44 | $774 | $586 |
| Osage | 5 | 4 | 52 | $801 | $606 |
| Ozark | 8 | 4 | 52 | $686 | $519 |
| Pemiscot | 10 | 3 | 44 | $817 | $619 |
| Perry | 10 | 3 | 44 | $817 | $619 |
| Pettis | 4 | 3 | 40 | $717 | $543 |
| Phelps | 9 | 3 | 44 | $774 | $586 |
| Pike | 2 | 3 | 44 | $826 | $626 |
| Platte | 3 | 4 | 53 | $649 | $492 |
| Polk | 8 | 5 | 66 | $686 | $519 |
| Pulaski | 9 | 3 | 44 | $774 | $586 |
| Putnam | 2 | 3 | 44 | $826 | $626 |
| Ralls | 2 | 3 | 44 | $826 | $626 |
| Randolph | 5 | 3 | 44 | $801 | $606 |
| Ray | 1 | 4 | 53 | $748 | $530 |
| Reynolds | 9 | 3 | 44 | $774 | $586 |
| Ripley | 9 | 3 | 44 | $774 | $586 |
| Saint Charles | 6 | 5 | 66 | $590 | $447 |
| Saint Clair | 4 | 4 | 48 | $717 | $543 |
| Saint Francois | 6 | 2 | 27 | $632 | $458 |
| Saint Louis | 6 | 5 | 66 | $590 | $447 |
| Saint Louis City | 6 | 5 | 66 | $590 | $447 |
| Sainte Genevieve | 6 | 3 | 44 | $590 | $447 |
| Saline | 4 | 3 | 40 | $717 | $543 |
| Schuyler | 2 | 2 | 27 | $948 | $677 |
| Scotland | 2 | 2 | 27 | $948 | $677 |
| Scott | 10 | 3 | 44 | $817 | $619 |
| Shannon | 9 | 3 | 44 | $774 | $586 |
| Shelby | 2 | 3 | 44 | $826 | $626 |
| Stoddard | 10 | 3 | 44 | $817 | $619 |
| Stone | 8 | 5 | 66 | $686 | $519 |
| Sullivan | 2 | 3 | 44 | $826 | $626 |
| Taney | 8 | 5 | 66 | $686 | $519 |
| Texas | 9 | 4 | 52 | $774 | $586 |
| Vernon | 4 | 4 | 48 | $717 | $543 |
| Warren | 6 | 5 | 66 | $590 | $447 |
| Washington | 6 | 3 | 44 | $590 | $447 |
| Wayne | 10 | 3 | 44 | $817 | $619 |
| Webster | 8 | 5 | 66 | $686 | $519 |
| Worth | 1 | 3 | 40 | $837 | $634 |
| Wright | 8 | 4 | 52 | $686 | $519 |
Open Enrollment 2027 in Missouri
Missouri sells its plans through HealthCare.gov. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; a plan picked by December 15 starts January 1. Outside those dates, a qualifying event such as a move into Missouri, losing other coverage, marriage or a new child opens a 60-day window.
The 2027 Tax-Credit Line in Missouri
For 2027 coverage the premium tax credit stops at 400% of the poverty line: $63,840 of income for one person, $132,000 for a family of four. Below it the benchmark Silver plan costs no more than 10.22% of income; above it the prices in the tables are the prices. Gold costing less than Silver in 115 of 115 counties is the marketplace’s silver-loading at work: insurers price Silver for the cost-sharing help it carries, so a full-price buyer should look at Gold first, and a Bronze plan is HSA-qualified since 2026 (IRS Notice 2026-05).
Self-Employed and S Corp Owners in Missouri
Premiums paid for yourself are deductible: the self-employed health insurance deduction in Missouri and the S-corp health insurance deduction in Missouri walk through the federal rules, the Missouri tax treatment and 2027 prices, with a calculator.
Moving to Missouri
A plan from another state does not move with you; a new Missouri address opens a 60-day window. Moving to Missouri: health insurance after the move has the dates, the marketplace and where Missouri’s newcomers come from.
Common Questions
How many insurers sell marketplace health insurance in Missouri for 2027?
6, by brand: UnitedHealthcare, Ambetter, Anthem Blue Cross and Blue Shield, Medica, Blue Cross and Blue Shield of Kansas City and Oscar.
Are there PPO plans on the Missouri marketplace for 2027?
No. Every 2027 marketplace plan in Missouri is an EPO; routine care outside the network is not covered, emergencies are covered anywhere.
What does the cheapest Silver plan cost in Missouri?
For a 40-year-old before any tax credit, from $590 a month in Franklin County to $948 in Scotland County for 2027; the typical county is $801.
When is Open Enrollment for 2027 coverage in Missouri?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.