Most Affordable Health Insurance in Missouri


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Key Takeaways

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Cox HealthPlans provides Missouri's most affordable health insurance, saving policyholders an average of $377 per month compared to the state average.

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Medica offers top-rated full coverage Gold plans, with affordable pricing starting at $481 monthly.

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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 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.

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.

Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
Cox HealthPlansCox 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.

AdairAmbetter$440Standard Silver
AndrewOscar$466Silver Classic Standard
AtchisonOscar$466Silver Classic Standard
AudrainAmbetter$440Standard Silver
BarryCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
BartonAmbetter$440Standard Silver
BatesOscar$466Silver Classic Standard
BentonOscar$466Silver Classic Standard
BollingerAmbetter$440Standard Silver
BooneAmbetter$440Standard Silver
BuchananOscar$466Silver Classic Standard
ButlerAmbetter$440Standard Silver
CaldwellOscar$466Silver Classic Standard
CallawayAmbetter$440Standard Silver
CamdenAmbetter$440Standard Silver
Cape GirardeauAmbetter$440Standard Silver
CarrollOscar$466Silver Classic Standard
CarterAmbetter$440Standard Silver
CassOscar$466Silver Classic Standard
CedarCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
CharitonAmbetter$440Standard Silver
ChristianCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
ClarkAmbetter$440Standard Silver
ClayOscar$466Silver Classic Standard
ClintonOscar$466Silver Classic Standard
ColeAmbetter$440Standard Silver
CooperAmbetter$440Standard Silver
CrawfordAmbetter$440Standard Silver
DadeCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
DallasCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
DaviessOscar$466Silver Classic Standard
DeKalbOscar$466Silver Classic Standard
DentAmbetter$440Standard Silver
DouglasCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
DunklinAmbetter$440Standard Silver
FranklinAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
GasconadeAmbetter$440Standard Silver
GentryOscar$466Silver Classic Standard
GreeneCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
GrundyOscar$466Silver Classic Standard
HarrisonOscar$466Silver Classic Standard
HenryOscar$466Silver Classic Standard
HickoryCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
HoltOscar$466Silver Classic Standard
HowardAmbetter$440Standard Silver
HowellAmbetter$440Standard Silver
IronAmbetter$440Standard Silver
JacksonOscar$466Silver Classic Standard
JasperAmbetter$440Standard Silver
JeffersonAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
JohnsonOscar$466Silver Classic Standard
KnoxAmbetter$440Standard Silver
LacledeCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
LafayetteOscar$466Silver Classic Standard
LawrenceCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
LewisAmbetter$440Standard Silver
LincolnAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
LinnAmbetter$440Standard Silver
LivingstonOscar$466Silver Classic Standard
MaconAmbetter$440Standard Silver
MadisonAmbetter$440Standard Silver
MariesAmbetter$440Standard Silver
MarionAmbetter$440Standard Silver
McDonaldAmbetter$440Standard Silver
MercerOscar$466Silver Classic Standard
MillerAmbetter$440Standard Silver
MississippiAmbetter$440Standard Silver
MoniteauAmbetter$440Standard Silver
MonroeAmbetter$440Standard Silver
MontgomeryAmbetter$440Standard Silver
MorganAmbetter$440Standard Silver
New MadridAmbetter$440Standard Silver
NewtonAmbetter$440Standard Silver
NodawayOscar$466Silver Classic Standard
OregonAmbetter$440Standard Silver
OsageAmbetter$440Standard Silver
OzarkCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
PemiscotAmbetter$440Standard Silver
PerryAmbetter$440Standard Silver
PettisOscar$466Silver Classic Standard
PhelpsAmbetter$440Standard Silver
PikeAmbetter$440Standard Silver
PlatteOscar$466Silver Classic Standard
PolkCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
PulaskiAmbetter$440Standard Silver
PutnamAmbetter$440Standard Silver
RallsAmbetter$440Standard Silver
RandolphAmbetter$440Standard Silver
RayOscar$466Silver Classic Standard
ReynoldsAmbetter$440Standard Silver
RipleyAmbetter$440Standard Silver
SalineOscar$466Silver Classic Standard
SchuylerAmbetter$440Standard Silver
ScotlandAmbetter$440Standard Silver
ScottAmbetter$440Standard Silver
ShannonAmbetter$440Standard Silver
ShelbyAmbetter$440Standard Silver
St. CharlesAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
St. ClairOscar$466Silver Classic Standard
St. FrancoisAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
St. LouisAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
St. Louis CityAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
Ste. GenevieveAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
StoddardAmbetter$440Standard Silver
StoneCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
SullivanAmbetter$440Standard Silver
TaneyCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
TexasAmbetter$440Standard Silver
VernonOscar$466Silver Classic Standard
WarrenAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
WashingtonAnthem (BCBS)$430Anthem Silver Pathway 5900/40% Standard
WayneAmbetter$440Standard Silver
WebsterCox HealthPlans$503Cox HealthPlans Silver Standard $5,900 Deductible
WorthOscar$466Silver Classic Standard
WrightCox HealthPlans$503Cox 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. 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. 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. 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. 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. 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.

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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?

What are the downsides of a cheap health insurance plan?

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


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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.


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