Health insurance plans in Missouri
Missouri uses the federal Marketplace, with 114 plans across the Bronze, Silver and Gold tiers from up to 7 insurers. Which tier suits you depends far more on how much care you expect to use than on the premium alone.
In Missouri, Silver costs more than Gold.
The average Silver plan in Missouri runs $512 a month against $492 for Gold — $20 more for a tier that covers a smaller share of your care. That inversion is silver loading: the cost of the extra cost-sharing reductions insurers must build into Silver plans is priced into every Silver premium, including yours if you do not qualify for them.
The three tiers in Missouri, compared
Catastrophic and other coverage
Some states also offer Catastrophic plans, which carry very low premiums and very high deductibles and are limited to people under 30 or those with a hardship exemption. They are a small share of the market and are not broken out into their own page here — you can find any available in Missouri on the full Missouri plan list. Platinum plans are rare on the federal Marketplace and are absent from most states.
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