Health insurance prices in St. Francois County, MO (2026)
23 marketplace plans from 2 insurers. Cheapest plan $406/mo; typical Silver $613/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 6.
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 $406–$506 (typical $443) · Silver $546–$629 (typical $613) · Gold $527–$611 (typical $590) · Catastrophic $365–$365 (typical $365)
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 | $406 | $428 | $554 | $527 | Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | |
| UnitedHealthcareUnitedHealth Group | 13 | $452 | $488 | $625 | $598 | UHC Bronze Essential (No Referrals) |
All 23 plans in St. Francois 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 (+ Incentives) | Catastrophic | EPO | $365 | $10,600 | $10,600 | $14,981 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | EPO | $406 | $10,150 | $10,150 | $15,018 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | EPO | $425 | $6,900 | $10,150 | $15,249 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | EPO | $430 | $4,900 | $10,150 | $15,315 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Expanded Bronze | EPO | $434 | $7,500 | $10,000 | $15,204 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $452 | $10,600 | $10,600 | $16,022 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $480 | $7,500 | $10,000 | $15,760 | |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | EPO | $496 | $7,500 | $10,000 | $15,947 | |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | EPO | $506 | $0 | $10,600 | $16,678 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Gold | EPO | $527 | $2,000 | $8,200 | $14,522 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $546 | $7,200 | $8,625 | $15,173 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $552 | $5,350 | $8,600 | $15,223 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $555 | $6,000 | $8,900 | $15,563 | |
| Anthem Blue Cross Blue Shield (MO) | Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Silver | EPO | $559 | $3,100 | $10,150 | $16,862 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $587 | $2,000 | $8,200 | $15,242 | |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | EPO | $590 | $1,500 | $8,100 | $15,181 | |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | EPO | $606 | $1,500 | $8,100 | $15,368 | |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | EPO | $611 | $0 | $8,000 | $15,330 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | EPO | $613 | $6,000 | $8,900 | $16,256 | |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $613 | $3,500 | $10,300 | $17,657 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $625 | $0 | $10,600 | $18,104 | |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | EPO | $629 | $6,000 | $8,900 | $16,442 | |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | EPO | $629 | $3,500 | $10,300 | $17,843 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $406 | $443 | $506 | 8 | $7,500 | $10,150 | $15,538 |
| Silver | $546 | $613 | $629 | 9 | $5,350 | $8,900 | $16,442 |
| Gold | $527 | $590 | $611 | 5 | $1,500 | $8,100 | $15,242 |
| CatastrophicUnder 30 or hardship exemption only | $365 | $365 | $365 | 1 | $10,600 | $10,600 | $14,981 |
* 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.