What health insurance costs without a subsidy in Franklin County, Missouri (2026)
In Franklin County, Missouri, the benchmark silver plan costs $531.51/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $365.07 to $628.62. A 60-year-old pays at least $775.28/month, a 21-year-old at least $285.66. 4 insurers offer 48 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $285.66/mo
- Age 40 — starting at $365.07/mo
- Age 60 — starting at $775.28/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $405.69/mo
- Silver — starting at $523.28/mo
- Gold — starting at $512.03/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Ambetter from Home State Health, Anthem Blue Cross and Blue Shield, Medica, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Franklin County (FIPS 29071).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Missouri
- Clark County — $790.59/mo benchmark
- Lewis County — $790.59/mo benchmark
- Marion County — $790.59/mo benchmark
- Schuyler County — $790.59/mo benchmark
- Scotland County — $790.59/mo benchmark
Plans available in this county (48)
- Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Bronze · $405.69/mo @ 40
- UHC Bronze Essential (No Referrals) — Bronze · $451.84/mo @ 40
- Anthem Catastrophic Pathway (+ Incentives) — Catastrophic · $365.07/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $404.74/mo @ 40
- Everyday Bronze — Expanded Bronze · $405.63/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $416.97/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $417.89/mo @ 40
- Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $424.88/mo @ 40
- Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $430.39/mo @ 40
- Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $433.68/mo @ 40
- Elite Bronze — Expanded Bronze · $439.11/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $452.38/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $480.04/mo @ 40
- Balance by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $482.38/mo @ 40
- Balance by Medica Expanded Bronze Standard — Expanded Bronze · $486.48/mo @ 40
- Balance by Medica Bronze Premier — Expanded Bronze · $491.16/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $495.60/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $506.48/mo @ 40
- Standard Gold — Gold · $512.03/mo @ 40
- Everyday Gold — Gold · $518.03/mo @ 40
- Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $526.83/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $527.51/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $533.69/mo @ 40
- Complete Gold — Gold · $535.47/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $551.66/mo @ 40
- Balance by Medica Gold $0 Copay PCP Visits — Gold · $571.87/mo @ 40
- Balance by Medica Gold Share — Gold · $574.69/mo @ 40
- Balance by Medica Gold Standard — Gold · $583.28/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $586.86/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold · $590.12/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $605.67/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Gold · $610.82/mo @ 40
- Standard Silver — Silver · $523.28/mo @ 40
- Complete Silver — Silver · $531.51/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $539.09/mo @ 40
- Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $545.68/mo @ 40
- Complete Silver + Vision + Adult Dental — Silver · $547.58/mo @ 40
- Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $551.92/mo @ 40
- Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $555.25/mo @ 40
- Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $559.32/mo @ 40
Showing first 40 of 48 plans on file.
Reviewed by Jason Burns, Editorial Steward.