Missouri · 2026 plan year
Gold health insurance plans in Missouri
There are 31 Gold plans on the Missouri Marketplace from 7 insurers, and they are not interchangeable — premiums run from $399 to $703 a month for the same metal tier. Here is what separates them.
31
Gold plans
7
Insurers
115
Counties covered
$399
Cheapest premium
$1,774
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.
Missouri Gold premiums rank 5th cheapest of 30.
Averaged across all 31 plans, Gold coverage in Missouri costs $492 a month before subsidies — 5th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.
Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.
Lowest premiums
The cheapest Gold plans in Missouri
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Gold SimpleOscar Insurance Company | $399 | $3,300 | $9,950 |
| Standard GoldAmbetter from Home State Health | $401 | $2,000 | $8,200 |
| Everyday GoldAmbetter from Home State Health | $405 | $800 | $7,250 |
| Gold Classic StandardOscar Insurance Company | $407 | $2,000 | $8,200 |
| Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield | $412 | $2,000 | $8,200 |
Showing 5 of 31. See all Missouri Gold plans →
Who sells here
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average |
|---|---|---|---|
| Medica | 12 | $447 | $531 |
| Ambetter from Home State Health | 6 | $401 | $415 |
| UnitedHealthcare | 4 | $459 | $468 |
| Blue Cross and Blue Shield of Kansas City | 3 | $506 | $586 |
| Anthem Blue Cross and Blue Shield | 2 | $412 | $450 |
| Cox HealthPlans | 2 | $517 | $527 |
| Oscar Insurance Company | 2 | $399 | $403 |
Other tiers in Missouri
How Gold compares to the rest
Nearby on price
States with similar Gold premiums
Common questions
Missouri Gold plans, answered
What are the copays on a Missouri Gold plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 31 Gold plans in Missouri, deductibles average $1,774 and the out-of-pocket maximum averages $7,902. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Missouri?
Any Missouri Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,774 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Missouri Gold plan?
The average across all 31 Gold plans in Missouri is $1,774, with an average out-of-pocket maximum of $7,902. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Gold plans available in my Missouri county?
Gold plans are sold in 115 Missouri counties, from 7 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Missouri Marketplace plan?
Missouri uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Gold premiums in Missouri start at $399 a month before any subsidy.
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