Health insurance prices in St. Louis County, MO (2026)
68 marketplace plans from 5 insurers. Cheapest plan $405/mo; typical Silver $563/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 $405–$506 (typical $445) · Silver $523–$635 (typical $563) · Gold $510–$611 (typical $572) · 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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 16 | $405 | $417 | $535 | $531 | Standard Expanded Bronze | |
| 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) | |
| Oscar Health | 11 | $430 | $439 | $560 | $515 | Bronze Classic Standard | |
| UnitedHealthcareUnitedHealth Group | 13 | $452 | $488 | $625 | $598 | UHC Bronze Essential (No Referrals) | |
| Medica | 18 | $468 | $487 | $627 | $579 | Medica with SSM Health Bronze Share |
All 68 plans in St. Louis 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 | |
| Ambetter (Centene) | Standard Expanded Bronze | Expanded Bronze | EPO | $405 | $7,500 | $10,000 | $14,857 | |
| Ambetter (Centene) | Everyday Bronze | Expanded Bronze | EPO | $406 | $8,450 | $10,150 | $15,018 | |
| 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 | |
| Ambetter (Centene) | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $417 | $7,500 | $10,000 | $15,004 | |
| Ambetter (Centene) | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $418 | $8,450 | $10,150 | $15,165 | |
| 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 | |
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $430 | $7,500 | $10,000 | $15,166 | |
| 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 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $438 | $4,700 | $9,800 | $15,057 | |
| Ambetter (Centene) | Elite Bronze | Expanded Bronze | EPO | $439 | $0 | $10,500 | $15,769 | |
| Oscar Health | Bronze Simple Diabetes | Expanded Bronze | EPO | $441 | $5,500 | $10,150 | $15,436 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $449 | $0 | $10,600 | $15,985 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | EPO | $452 | $10,600 | $10,600 | $16,022 | |
| Ambetter (Centene) | Elite Bronze + Vision + Adult Dental | Expanded Bronze | EPO | $452 | $0 | $10,500 | $15,929 | |
| Medica | Medica with SSM Health Bronze Share | Expanded Bronze | EPO | $468 | $8,000 | $10,600 | $16,218 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | EPO | $480 | $7,500 | $10,000 | $15,760 | |
| Medica | Balance by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $482 | $7,500 | $10,600 | $16,389 | |
| Medica | Balance by Medica Expanded Bronze Standard | Expanded Bronze | EPO | $486 | $7,500 | $10,000 | $15,838 | |
| Medica | Medica with SSM Health Bronze $0 Copay PCP Visits | Expanded Bronze | EPO | $487 | $7,500 | $10,600 | $16,440 | |
| Medica | Medica with SSM Health Expanded Bronze Standard | Expanded Bronze | EPO | $491 | $7,500 | $10,000 | $15,889 | |
| Medica | Balance by Medica Bronze Premier | Expanded Bronze | EPO | $491 | $2,000 | $10,600 | $16,494 | |
| 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 | |
| Oscar Health | Gold Simple | Gold | EPO | $510 | $3,300 | $9,950 | $16,067 | |
| Ambetter (Centene) | Standard Gold | Gold | EPO | $512 | $2,000 | $8,200 | $14,344 | |
| Ambetter (Centene) | Everyday Gold | Gold | EPO | $518 | $800 | $7,250 | $13,466 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $520 | $2,000 | $8,200 | $14,441 | |
| Ambetter (Centene) | Standard Silver | Silver | EPO | $523 | $6,000 | $8,900 | $15,179 | |
| 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 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | EPO | $528 | $2,000 | $8,200 | $14,530 | |
| Ambetter (Centene) | Complete Silver | Silver | EPO | $532 | $5,950 | $8,850 | $15,228 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | EPO | $534 | $800 | $7,250 | $13,654 | |
| Ambetter (Centene) | Complete Gold | Gold | EPO | $535 | $1,450 | $7,700 | $14,126 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | EPO | $539 | $6,000 | $8,900 | $15,369 | |
| 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 | |
| Ambetter (Centene) | Complete Silver + Vision + Adult Dental | Silver | EPO | $548 | $5,950 | $8,850 | $15,421 | |
| Ambetter (Centene) | Complete Gold + Vision + Adult Dental | Gold | EPO | $552 | $1,450 | $7,700 | $14,320 | |
| 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 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $555 | $5,100 | $10,000 | $16,656 | |
| 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 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $559 | $6,000 | $8,900 | $15,605 | |
| 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 | |
| Oscar Health | Silver Simple Diabetes | Silver | EPO | $560 | $6,500 | $10,000 | $16,718 | |
| Oscar Health | Silver Simple Women's Health with Menopause Benefits | Silver | EPO | $562 | $6,000 | $10,150 | $16,899 | |
| Oscar Health | Silver Elite Saver Plus | Silver | EPO | $564 | $0 | $10,150 | $16,921 | |
| Medica | Balance by Medica Gold $0 Copay PCP Visits | Gold | EPO | $572 | $1,500 | $8,800 | $15,662 | |
| Medica | Balance by Medica Gold Share | Gold | EPO | $575 | $2,500 | $5,900 | $12,796 | |
| Medica | Medica with SSM Health Gold $0 Copay PCP Visits | Gold | EPO | $578 | $1,500 | $8,800 | $15,735 | |
| Medica | Medica with SSM Health Gold Share | Gold | EPO | $581 | $2,500 | $5,900 | $12,866 | |
| Medica | Balance by Medica Gold Standard | Gold | EPO | $583 | $2,000 | $8,200 | $15,199 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | EPO | $587 | $2,000 | $8,200 | $15,242 | |
| Medica | Medica with SSM Health Gold Standard | Gold | EPO | $590 | $2,000 | $8,200 | $15,275 | |
| 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 | |
| Medica | Balance by Medica Silver $0 Copay PCP Visits | Silver | EPO | $619 | $3,500 | $10,450 | $17,875 | |
| Medica | Balance by Medica Silver Share | Silver | EPO | $621 | $3,525 | $8,850 | $16,306 | |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | EPO | $625 | $0 | $10,600 | $18,104 | |
| Medica | Medica with SSM Health Silver $0 Copay PCP Visits | Silver | EPO | $626 | $3,500 | $10,450 | $17,965 | |
| Medica | Balance by Medica Silver Standard | Silver | EPO | $627 | $6,000 | $8,900 | $16,429 | |
| 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 | |
| Medica | Medica with SSM Health Silver Share | Silver | EPO | $629 | $3,525 | $8,850 | $16,396 | |
| Medica | Medica with SSM Health Silver Standard | Silver | EPO | $635 | $6,000 | $8,900 | $16,520 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $405 | $445 | $506 | 24 | $7,500 | $10,150 | $15,765 |
| Silver | $523 | $563 | $635 | 24 | $5,950 | $8,900 | $16,436 |
| Gold | $510 | $572 | $611 | 19 | $2,000 | $8,200 | $14,530 |
| 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.