Health insurance prices in Ray County, MO (2026)
46 marketplace plans from 4 insurers. Cheapest plan $490/mo; typical Silver $766/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 1.
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 $490–$666 (typical $592) · Silver $640–$827 (typical $766) · Gold $588–$803 (typical $772) · Catastrophic $485–$485 (typical $485)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 11 | $497 | $507 | $646 | $594 | Bronze Classic Standard | |
| Blue Cross and Blue Shield of Kansas CityIndependent Blue Cross Blue Shield company | 6 | $490 | $512 | $666 | $705 | Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO | |
| Ambetter (Centene) | 16 | $588 | $606 | $778 | $771 | Standard Expanded Bronze | |
| UnitedHealthcareUnitedHealth Group | 13 | $594 | $641 | $822 | $786 | UHC Bronze Essential (No Referrals) |
All 46 plans in Ray County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross and Blue Shield of Kansas City | Blue KC Catastrophic BlueSelect EPO | Catastrophic | EPO | $485 | $10,600 | $10,600 | $16,417 | |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO | Expanded Bronze | EPO | $490 | $8,500 | $10,600 | $16,486 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $497 | $7,500 | $10,000 | $15,959 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $505 | $4,700 | $9,800 | $15,865 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $508 | $5,500 | $10,150 | $16,248 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $518 | $0 | $10,600 | $16,812 | |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Bronze BlueSelect EPO | Expanded Bronze | EPO | $533 | $7,500 | $10,000 | $16,394 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $588 | $7,500 | $10,000 | $17,055 | |
| Oscar Health | Gold Simple | Gold | EPO | $588 | $3,300 | $9,950 | $17,007 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $589 | $8,450 | $10,150 | $17,220 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $594 | $10,600 | $10,600 | $17,730 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $600 | $2,000 | $8,200 | $15,399 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $606 | $7,500 | $10,000 | $17,268 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $607 | $8,450 | $10,150 | $17,434 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $631 | $7,500 | $10,000 | $17,575 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $638 | $0 | $10,500 | $18,154 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $640 | $5,100 | $10,000 | $17,679 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $645 | $6,000 | $8,900 | $16,634 | |
| Oscar Health | Silver Simple Diabetes | Silver | EPO | $646 | $6,500 | $10,000 | $17,749 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | EPO | $649 | $6,000 | $10,150 | $17,935 | |
| Oscar Health | Silver Elite Saver Plus | Silver | EPO | $651 | $0 | $10,150 | $17,960 | |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Silver 1 with Spira Care BlueSelect EPO | Silver | EPO | $651 | $4,150 | $8,000 | $15,817 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $652 | $7,500 | $10,000 | $17,820 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $657 | $0 | $10,500 | $18,385 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $666 | $0 | $10,600 | $18,592 | |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Silver BlueSelect EPO | Silver | EPO | $680 | $6,000 | $8,900 | $17,059 | |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Gold BlueSelect EPO | Gold | EPO | $705 | $2,000 | $8,200 | $16,659 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $744 | $2,000 | $8,200 | $17,125 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $752 | $800 | $7,250 | $16,280 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $760 | $6,000 | $8,900 | $18,021 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $766 | $2,000 | $8,200 | $17,395 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $772 | $2,000 | $8,200 | $17,460 | |
| Ambetter (Centene) | Complete Silver | Silver | EPO | $772 | $5,950 | $8,850 | $18,115 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $775 | $800 | $7,250 | $16,553 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | EPO | $776 | $1,500 | $8,100 | $17,411 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $778 | $1,450 | $7,700 | $17,034 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $783 | $6,000 | $8,900 | $18,297 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | EPO | $795 | $5,950 | $8,850 | $18,395 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | EPO | $796 | $1,500 | $8,100 | $17,657 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $801 | $1,450 | $7,700 | $17,316 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | EPO | $803 | $0 | $8,000 | $17,638 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $806 | $6,000 | $8,900 | $18,572 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $806 | $3,500 | $10,300 | $19,974 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $822 | $0 | $10,600 | $20,467 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | EPO | $826 | $6,000 | $8,900 | $18,818 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $827 | $3,500 | $10,300 | $20,219 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $490 | $592 | $666 | 16 | $7,500 | $10,150 | $17,244 |
| Silver | $640 | $766 | $827 | 16 | $5,975 | $8,900 | $18,068 |
| Gold | $588 | $772 | $803 | 13 | $1,500 | $8,100 | $17,125 |
| CatastrophicUnder 30 or hardship exemption only | $485 | $485 | $485 | 1 | $10,600 | $10,600 | $16,417 |
* 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.