Cox HealthPlans offers the cheapest health insurance in Missouri, with an average monthly premium of $309. Availability can vary, so check out Medica, Oscar, Aetna and Anthem (BCBS) for affordable health plans.
Most Affordable Health Insurance in Missouri
Cox HealthPlans, Medica and Oscar offer the cheapest health insurance plans in Missouri, starting at $309 per month.
Discover affordable health insurance in Missouri below.

Updated: June 9, 2025
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Key Takeaways
Cox HealthPlans provides Missouri's most affordable health insurance, saving policyholders an average of $377 per month compared to the state average.
Medica offers top-rated full coverage Gold plans, with affordable pricing starting at $481 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Missouri
Cox HealthPlans | $309 | $377 |
Medica | $320 | $366 |
Oscar | $424 | $263 |
Aetna | $447 | $239 |
Anthem (BCBS) | $506 | $180 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Missouri Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Missouri, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest For Young Adults: Cox HealthPlans ($413 monthly)
- Cheapest For Seniors: Cox HealthPlans ($1,096 monthly)
- Cheapest Catastrophic Plan: Medica ($269 monthly)
- Cheapest Expanded Bronze Plan: Medica ($398 monthly)
- Cheapest Bronze Plan: Cox HealthPlans ($384 monthly)
- Cheapest Silver Plan: Cox HealthPlans ($516 monthly)
- Cheapest Gold Plan: Medica ($481 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Cox HealthPlans | Cox HealthPlans Silver Preferred $3,500 Deductible | $516 | $104 | $7,900 |
Cheapest Health Insurance Plans by County in Missouri
While Cox HealthPlans is the cheapest provider overall, Ambetter offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
Adair | Ambetter | $440 | Standard Silver |
Andrew | Oscar | $466 | Silver Classic Standard |
Atchison | Oscar | $466 | Silver Classic Standard |
Audrain | Ambetter | $440 | Standard Silver |
Barry | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Barton | Ambetter | $440 | Standard Silver |
Bates | Oscar | $466 | Silver Classic Standard |
Benton | Oscar | $466 | Silver Classic Standard |
Bollinger | Ambetter | $440 | Standard Silver |
Boone | Ambetter | $440 | Standard Silver |
Buchanan | Oscar | $466 | Silver Classic Standard |
Butler | Ambetter | $440 | Standard Silver |
Caldwell | Oscar | $466 | Silver Classic Standard |
Callaway | Ambetter | $440 | Standard Silver |
Camden | Ambetter | $440 | Standard Silver |
Cape Girardeau | Ambetter | $440 | Standard Silver |
Carroll | Oscar | $466 | Silver Classic Standard |
Carter | Ambetter | $440 | Standard Silver |
Cass | Oscar | $466 | Silver Classic Standard |
Cedar | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Chariton | Ambetter | $440 | Standard Silver |
Christian | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Clark | Ambetter | $440 | Standard Silver |
Clay | Oscar | $466 | Silver Classic Standard |
Clinton | Oscar | $466 | Silver Classic Standard |
Cole | Ambetter | $440 | Standard Silver |
Cooper | Ambetter | $440 | Standard Silver |
Crawford | Ambetter | $440 | Standard Silver |
Dade | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Dallas | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Daviess | Oscar | $466 | Silver Classic Standard |
DeKalb | Oscar | $466 | Silver Classic Standard |
Dent | Ambetter | $440 | Standard Silver |
Douglas | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Dunklin | Ambetter | $440 | Standard Silver |
Franklin | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Gasconade | Ambetter | $440 | Standard Silver |
Gentry | Oscar | $466 | Silver Classic Standard |
Greene | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Grundy | Oscar | $466 | Silver Classic Standard |
Harrison | Oscar | $466 | Silver Classic Standard |
Henry | Oscar | $466 | Silver Classic Standard |
Hickory | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Holt | Oscar | $466 | Silver Classic Standard |
Howard | Ambetter | $440 | Standard Silver |
Howell | Ambetter | $440 | Standard Silver |
Iron | Ambetter | $440 | Standard Silver |
Jackson | Oscar | $466 | Silver Classic Standard |
Jasper | Ambetter | $440 | Standard Silver |
Jefferson | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Johnson | Oscar | $466 | Silver Classic Standard |
Knox | Ambetter | $440 | Standard Silver |
Laclede | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Lafayette | Oscar | $466 | Silver Classic Standard |
Lawrence | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Lewis | Ambetter | $440 | Standard Silver |
Lincoln | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Linn | Ambetter | $440 | Standard Silver |
Livingston | Oscar | $466 | Silver Classic Standard |
Macon | Ambetter | $440 | Standard Silver |
Madison | Ambetter | $440 | Standard Silver |
Maries | Ambetter | $440 | Standard Silver |
Marion | Ambetter | $440 | Standard Silver |
McDonald | Ambetter | $440 | Standard Silver |
Mercer | Oscar | $466 | Silver Classic Standard |
Miller | Ambetter | $440 | Standard Silver |
Mississippi | Ambetter | $440 | Standard Silver |
Moniteau | Ambetter | $440 | Standard Silver |
Monroe | Ambetter | $440 | Standard Silver |
Montgomery | Ambetter | $440 | Standard Silver |
Morgan | Ambetter | $440 | Standard Silver |
New Madrid | Ambetter | $440 | Standard Silver |
Newton | Ambetter | $440 | Standard Silver |
Nodaway | Oscar | $466 | Silver Classic Standard |
Oregon | Ambetter | $440 | Standard Silver |
Osage | Ambetter | $440 | Standard Silver |
Ozark | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Pemiscot | Ambetter | $440 | Standard Silver |
Perry | Ambetter | $440 | Standard Silver |
Pettis | Oscar | $466 | Silver Classic Standard |
Phelps | Ambetter | $440 | Standard Silver |
Pike | Ambetter | $440 | Standard Silver |
Platte | Oscar | $466 | Silver Classic Standard |
Polk | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Pulaski | Ambetter | $440 | Standard Silver |
Putnam | Ambetter | $440 | Standard Silver |
Ralls | Ambetter | $440 | Standard Silver |
Randolph | Ambetter | $440 | Standard Silver |
Ray | Oscar | $466 | Silver Classic Standard |
Reynolds | Ambetter | $440 | Standard Silver |
Ripley | Ambetter | $440 | Standard Silver |
Saline | Oscar | $466 | Silver Classic Standard |
Schuyler | Ambetter | $440 | Standard Silver |
Scotland | Ambetter | $440 | Standard Silver |
Scott | Ambetter | $440 | Standard Silver |
Shannon | Ambetter | $440 | Standard Silver |
Shelby | Ambetter | $440 | Standard Silver |
St. Charles | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
St. Clair | Oscar | $466 | Silver Classic Standard |
St. Francois | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
St. Louis | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
St. Louis City | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Ste. Genevieve | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Stoddard | Ambetter | $440 | Standard Silver |
Stone | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Sullivan | Ambetter | $440 | Standard Silver |
Taney | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Texas | Ambetter | $440 | Standard Silver |
Vernon | Oscar | $466 | Silver Classic Standard |
Warren | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Washington | Anthem (BCBS) | $430 | Anthem Silver Pathway 5900/40% Standard |
Wayne | Ambetter | $440 | Standard Silver |
Webster | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
Worth | Oscar | $466 | Silver Classic Standard |
Wright | Cox HealthPlans | $503 | Cox HealthPlans Silver Standard $5,900 Deductible |
How to Find the Cheapest Health Insurance in Missouri
Follow these steps to find affordable health insurance in Missouri:
- 1
Determine coverage plan needs and affordability
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs for eligible age groups
If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.
- 4
Review prescription formularies
Check insurers' prescription coverage for medications you regularly take. Choosing plans with lower-tier placements and reduced copays for your medications can optimize savings and ensure consistent and affordable access to necessary prescriptions, saving you hundreds of dollars each year.
- 5
Compare plans during Open Enrollment
Take advantage of Open Enrollment from November 1 to January 15, or Special Enrollment under certain conditions, like job loss or changes in family size. Evaluate plan types, costs, customer reviews and network availability to find the most suitable and affordable coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Missouri: Bottom Line
Missouri's most affordable health insurance companies are Cox HealthPlans, Medica, Oscar, Aetna and Anthem (BCBS). While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Missouri Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Missouri:
What is the cheapest health insurance in Missouri?
Cox HealthPlans offers the cheapest health insurance in Missouri, with Silver plans starting at $309 for 40-year-olds. Your ideal option may vary, so consider exploring Medica, Oscar, Aetna and Anthem (BCBS) based on your income and coverage preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Missouri
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Missouri based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.