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Missouri · 2026 plan year

Silver health insurance plans in Missouri (2026)

There are 42 Silver plans on the Missouri Marketplace from 7 insurers, and they are not interchangeable — premiums run from $409 to $757 a month for the same metal tier. Here is what separates them.

42
Silver plans
7
Insurers
115
Counties covered
$409
Cheapest premium
$5,975
Median 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.

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.

Missouri Silver premiums rank 15th cheapest of 35.

Averaged across all 42 plans, Silver coverage in Missouri costs $512 a month before subsidies — 15th 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.

Cost

What a Silver plan costs in Missouri in 2026

Across all 42 Silver plans in Missouri, monthly premiums run from $409 to $757, averaging $512. 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.

Deductibles

Silver plan deductibles in Missouri

Silver deductibles in Missouri run from $3,100 to $7,200, with a median of $5,975 across the 40 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 $5,104 because the spread is not symmetric. The other 2 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.

Out-of-pocket maximum

Silver out-of-pocket maximums in Missouri

Individual out-of-pocket maximums on Missouri Silver plans run from $7,000 to $10,600, with a median of $8,900. 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.

Lowest premiums

The cheapest Silver plans in Missouri

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard SilverAmbetter from Home State Health$409$6,000$8,900
Complete SilverAmbetter from Home State Health$416$5,950$8,850
Standard Silver + Vision + Adult DentalAmbetter from Home State Health$422$6,000$8,900
Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives)Anthem Blue Cross and Blue Shield$427$7,200$8,625
Complete Silver + Vision + Adult DentalAmbetter from Home State Health$428$5,950$8,850

Showing 5 of 42. See all Missouri Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Medica12$484$573$3,500–$6,000
Anthem Blue Cross and Blue Shield8$427$472$3,100–$7,200
Blue Cross and Blue Shield of Kansas City5$492$578$4,150–$6,000
Oscar Insurance Company5$434$438$5,100–$6,500
UnitedHealthcare5$480$486$3,500–$6,000
Ambetter from Home State Health4$409$419$5,950–$6,000
Cox HealthPlans3$526$550$3,500–$6,000
Other tiers in Missouri

How Silver compares to the rest

Bronze
Avg $392 · from $317
41 plans
Silver
Avg $512 · from $409
42 plans · you are here
Gold
Avg $492 · from $399
31 plans

All MissouriMarketplace plans →

Nearby on price

States with similar Silver premiums

Alabama
Avg $500
21 Silver plans
North Carolina
Avg $525
74 Silver plans
South Dakota
Avg $528
22 Silver plans
Common questions

Missouri Silver plans, answered

What are the copays on Missouri Silver plans?
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. What the tier does bound is the rest of the cost-sharing: across the 42 Silver plans in Missouri, out-of-pocket maximums run $7,000 to $10,600, and deductibles on the 40 plans with one combined deductible run $3,100 to $7,200. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in Missouri?
Anyone eligible to buy Marketplace coverage in Missouri can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($512 a month on average) is higher than Gold in some states.
What is the deductible on Missouri Silver plans?
Silver deductibles in Missouri run from $3,100 to $7,200 across the 40 plans with one combined deductible, with a median of $5,975 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,000 to $10,600. The spread inside a single 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 Silver plans available in my Missouri county?
Silver 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 Marketplace plan in Missouri?
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 Silver premiums in Missouri start at $409 a month before any subsidy.

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