At the federally-facilitated marketplace, Missouri residents can enroll in health insurance plans. healthcare.gov is the official exchange where you can view Affordable Care Act-compliant coverage options and premium rates.
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How to Buy Health Insurance in Missouri
Missouri residents without employer coverage can sign up for health insurance on the federal exchange. You’ll find health insurance policies in three different metal tiers: Bronze, Silver, and Gold.
Monthly premiums depend on the type of coverage you choose and your eligibility for a subsidy. Typically, Bronze-tier plans have the lowest premiums and highest deductibles. Gold-tier plans have the lowest deductibles, but the premiums are more expensive. Qualifying low-income residents can obtain coverage through Medicaid.
How to Apply for Health Insurance in Missouri
At healthcare.gov, you can browse available coverage options after entering your data. You can arrange the list according to your preferred tier level or budget.
Health Insurance Carriers In Missouri
Missouri has nine health insurance companies offering coverage via the federal marketplace:
- Aetna
- Anthem
- Cigna
- Ambetter/Celtic (Centene)
- Medica
- SSM/WellFirst
- Cox
- Oscar
- Blue KC (Blue Cross Blue Shield of Kansas City)
Missouri Health Insurance Costs Overview
Missouri’s health insurance metal tiers include Bronze, Silver, and Gold. In most cases, Bronze plans are most affordable but include limited services. Gold plans are more comprehensive but tend to have higher premiums.
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
How Much Does Health Insurance Cost in Missouri?
According to the KFF, the average benchmark premium in Missouri for 2025 is $489 per month.
What is the Cheapest Health Insurance Plan in Missouri?
Health insurance plan costs depend on your individual needs and preferences. Please contact us to find the plan that works best for you!
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Cheapest Missouri Health Insurance Coverage by Metal Tier
As 2025 data is not yet available, we have used statistics from 2024 to reflect costs so you can have an idea of what to expect.
Note that all costs are 2025 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in Missouri in 2025 was $471.
Silver Plans
The average lowest cost premium of a Silver Plan in Missouri in 2025 was $484.
Bronze Plans
For a Bronze plan, the average lowest premium in 2025 was $377.
Other Types of Missouri Health Insurance Coverage
Other options for health insurance in Missouri include catastrophic, short-term, and Medicare coverage.
Catastrophic Health Insurance in Missouri
Missouri residents who are under 30 or eligible for hardship exemption may be eligible for catastrophic health insurance through the federal marketplace.
Catastrophic health insurance plans typically have very high deductibles and limited services. This type of protection can save you from worst-case scenarios. A premium tax credit can usually help you get a more comprehensive and affordable plan that fits your budget.
Short Term Health Insurance in Missouri
Missouri doesn’t follow short-term health insurance guidelines according to federal regulations. Instead, individuals are limited to six months of coverage with renewals up to 36 months.
Nine insurers offer short-term coverage in Missouri, including United Security Health and Casualty, UnitedHealthcare (Golden Rule), National General (National Health Insurance Company), Independence American Insurance Company, Everest Reinsurance, Cox Health Systems, Companion Life, and Blue KC (Blue Cross Blue Shield of Kansas City).
Low Income Health Insurance in Missouri
Medicaid is available from MO HealthNet to eligible low-income residents in Missouri. These plans are available for women, children, families, seniors, individuals with disabilities, and others who meet the eligibility requirements.
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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2025, KFF, accessed 08/16/2023, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D