Health insurance prices in McDonald County, MO (2026)
48 marketplace plans from 4 insurers. Cheapest plan $479/mo; typical Silver $681/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 7.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $479–$575 (typical $530) · Silver $645–$702 (typical $681) · Gold $622–$701 (typical $656) · Catastrophic $431–$431 (typical $431)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (MO)Elevance Health (Blue Cross Blue Shield company) | 10 | $479 | $505 | $654 | $622 | Anthem Bronze Pathway Essentials 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| Ambetter (Centene) | 16 | $515 | $531 | $681 | $675 | Standard Expanded Bronze | |
| UnitedHealthcareUnitedHealth Group | 13 | $499 | $538 | $690 | $660 | UHC Bronze Essential (No Referrals) | |
| Medica | 9 | $540 | $545 | $696 | $643 | Balance by Medica Bronze $0 Copay PCP Visits |
All 48 plans in McDonald County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Anthem Blue Cross Blue Shield (MO) | Anthem Catastrophic Pathway Essentials (+ Incentives) | Catastrophic | EPO | $431 | $10,600 | $10,600 | $15,776 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway Essentials 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | EPO | $479 | $10,150 | $10,150 | $15,901 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $499 | $10,600 | $10,600 | $16,585 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway Essentials 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | EPO | $502 | $6,900 | $10,150 | $16,174 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Heart Healthy Bronze Pathway Essentials 4900 ($0 Virtual PCP + $0 Select Drugs) | Expanded Bronze | EPO | $508 | $4,900 | $10,150 | $16,252 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway Essentials 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | EPO | $512 | $7,500 | $10,000 | $16,148 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $515 | $7,500 | $10,000 | $16,176 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $516 | $8,450 | $10,150 | $16,339 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $530 | $7,500 | $10,000 | $16,359 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $530 | $7,500 | $10,000 | $16,363 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $531 | $8,450 | $10,150 | $16,527 | |
| Medica | Balance by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $540 | $7,500 | $10,600 | $17,081 | |
| Medica | Balance by Medica Expanded Bronze Standard | Expanded Bronze | EPO | $545 | $7,500 | $10,000 | $16,536 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $547 | $7,500 | $10,000 | $16,565 | |
| Medica | Balance by Medica Bronze Premier | Expanded Bronze | EPO | $550 | $2,000 | $10,600 | $17,199 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $558 | $0 | $10,500 | $17,200 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $559 | $0 | $10,600 | $17,309 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $575 | $0 | $10,500 | $17,403 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Gold Pathway Essentials 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | EPO | $622 | $2,000 | $8,200 | $15,670 | |
| Medica | Balance by Medica Gold $0 Copay PCP Visits | Gold | EPO | $640 | $1,500 | $8,800 | $16,483 | |
| Medica | Balance by Medica Gold Share | Gold | EPO | $643 | $2,500 | $5,900 | $13,621 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway Essentials 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $645 | $7,200 | $8,625 | $16,360 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $648 | $2,000 | $8,200 | $15,973 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $651 | $2,000 | $8,200 | $16,013 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | EPO | $651 | $1,500 | $8,100 | $15,917 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway Essentials 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $652 | $5,350 | $8,600 | $16,424 | |
| Medica | Balance by Medica Gold Standard | Gold | EPO | $653 | $2,000 | $8,200 | $16,036 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway Essentials 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $656 | $6,000 | $8,900 | $16,771 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $659 | $800 | $7,250 | $15,155 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Heart Healthy Silver Pathway Essentials 3100 ($0 Virtual PCP + $0 Select Drugs) | Silver | EPO | $661 | $3,100 | $10,150 | $18,079 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $665 | $6,000 | $8,900 | $16,885 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | EPO | $669 | $1,500 | $8,100 | $16,123 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $671 | $2,000 | $8,200 | $16,249 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | EPO | $674 | $0 | $8,000 | $16,091 | |
| Ambetter (Centene) | Complete Silver | Silver | EPO | $676 | $5,950 | $8,850 | $16,960 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $677 | $6,000 | $8,900 | $17,020 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $677 | $3,500 | $10,300 | $18,421 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $679 | $800 | $7,250 | $15,394 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $681 | $1,450 | $7,700 | $15,871 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $686 | $6,000 | $8,900 | $17,126 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $690 | $0 | $10,600 | $18,883 | |
| Medica | Balance by Medica Silver $0 Copay PCP Visits | Silver | EPO | $693 | $3,500 | $10,450 | $18,763 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | EPO | $694 | $6,000 | $8,900 | $17,226 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $694 | $3,500 | $10,300 | $18,627 | |
| Medica | Balance by Medica Silver Share | Silver | EPO | $696 | $3,525 | $8,850 | $17,198 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | EPO | $696 | $5,950 | $8,850 | $17,205 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $701 | $1,450 | $7,700 | $16,118 | |
| Medica | Balance by Medica Silver Standard | Silver | EPO | $702 | $6,000 | $8,900 | $17,329 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $479 | $530 | $575 | 17 | $7,500 | $10,150 | $16,527 |
| Silver | $645 | $681 | $702 | 16 | $5,950 | $8,900 | $17,202 |
| Gold | $622 | $656 | $701 | 14 | $1,500 | $8,100 | $15,993 |
| CatastrophicUnder 30 or hardship exemption only | $431 | $431 | $431 | 1 | $10,600 | $10,600 | $15,776 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.