Gold health insurance plans in Missouri (2026)
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.
Missouri Gold premiums rank 7th cheapest of 35.
Averaged across all 31 plans, Gold coverage in Missouri costs $492 a month before subsidies — 7th lowest of the 35 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.
What a Gold plan costs in Missouri in 2026
Across all 31 Gold plans in Missouri, monthly premiums run from $399 to $703, averaging $492. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Missouri enrollees, often to a fraction of the sticker price.
Gold plan deductibles in Missouri
Gold deductibles in Missouri run from $500 to $3,300, with a median of $2,000 across the 30 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $1,833 because the spread is not symmetric. The other 1 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.
Gold out-of-pocket maximums in Missouri
Individual out-of-pocket maximums on Missouri Gold plans run from $5,900 to $9,950, with a median of $8,200. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.
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 →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Medica | 12 | $447 | $531 | $1,500–$2,500 |
| Ambetter from Home State Health | 6 | $401 | $415 | $800–$2,000 |
| UnitedHealthcare | 4 | $459 | $468 | $1,500–$2,000 |
| Blue Cross and Blue Shield of Kansas City | 3 | $506 | $586 | $1,700–$2,000 |
| Anthem Blue Cross and Blue Shield | 2 | $412 | $450 | $2,000 |
| Cox HealthPlans | 2 | $517 | $527 | $500–$2,000 |
| Oscar Insurance Company | 2 | $399 | $403 | $2,000–$3,300 |
How Gold compares to the rest
States with similar Gold premiums
Missouri Gold plans, answered
What are the copays on Missouri Gold plans?
Who is eligible for a Gold plan in Missouri?
What is the deductible on Missouri Gold plans?
Are Gold plans available in my Missouri county?
When can I enroll in a Marketplace plan in Missouri?
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