What health insurance costs without a subsidy in Madison County, Missouri (2026)
In Madison County, Missouri, the benchmark silver plan costs $759.15/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $558.74 to $856.03. A 60-year-old pays at least $1186.56/month, a 21-year-old at least $437.20. 3 insurers offer 39 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 $437.20/mo
- Age 40 — starting at $558.74/mo
- Age 60 — starting at $1186.56/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $576.43/mo
- Silver — starting at $747.39/mo
- Gold — starting at $731.33/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, 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 Madison County (FIPS 29123).
- 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 (39)
- UHC Bronze Essential (No Referrals) — Bronze · $576.43/mo @ 40
- Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Bronze · $620.89/mo @ 40
- Anthem Catastrophic Pathway (+ Incentives) — Catastrophic · $558.74/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $578.08/mo @ 40
- Everyday Bronze — Expanded Bronze · $579.36/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $595.56/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $596.87/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $612.41/mo @ 40
- Elite Bronze — Expanded Bronze · $627.18/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $632.26/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $646.14/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $646.14/mo @ 40
- Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $650.27/mo @ 40
- Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $658.71/mo @ 40
- Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $663.73/mo @ 40
- Standard Gold — Gold · $731.33/mo @ 40
- Everyday Gold — Gold · $739.90/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $748.68/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold · $752.84/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $753.44/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $762.27/mo @ 40
- Complete Gold — Gold · $764.81/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $772.69/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Gold · $779.25/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $787.93/mo @ 40
- Anthem Gold Pathway 2000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Gold · $806.30/mo @ 40
- Standard Silver — Silver · $747.39/mo @ 40
- Complete Silver — Silver · $759.15/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $769.98/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $782.01/mo @ 40
- Complete Silver + Vision + Adult Dental — Silver · $782.10/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) — Silver · $782.11/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver · $797.75/mo @ 40
- UHC Silver Standard+ (Dental + Vision, No Referrals) — Silver · $801.86/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $801.96/mo @ 40
- Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $835.16/mo @ 40
- Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $844.71/mo @ 40
- Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $849.81/mo @ 40
- Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver · $856.03/mo @ 40
Reviewed by Jason Burns, Editorial Steward.