What health insurance costs without a subsidy in Mercer County, Missouri (2026)
In Mercer County, Missouri, the benchmark silver plan costs $772.05/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $587.91 to $893.84. A 60-year-old pays at least $1248.50/month, a 21-year-old at least $460.03. 3 insurers offer 34 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 $460.03/mo
- Age 40 — starting at $587.91/mo
- Age 60 — starting at $1248.50/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $594.13/mo
- Silver — starting at $760.09/mo
- Gold — starting at $743.76/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, Blue Cross and Blue Shield of Kansas City, 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 Mercer County (FIPS 29129).
- 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 (34)
- UHC Bronze Essential (No Referrals) — Bronze · $594.13/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $587.91/mo @ 40
- Everyday Bronze — Expanded Bronze · $589.20/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $605.68/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $607.01/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $631.21/mo @ 40
- Elite Bronze — Expanded Bronze · $637.83/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $651.67/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $657.11/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $665.98/mo @ 40
- Blue KC First Bronze Preferred-Care Blue EPO — Expanded Bronze · $671.06/mo @ 40
- Blue KC Standard Bronze Preferred-Care Blue EPO — Expanded Bronze · $675.68/mo @ 40
- Standard Gold — Gold · $743.76/mo @ 40
- Everyday Gold — Gold · $752.47/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $766.24/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $771.67/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $775.22/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold · $775.95/mo @ 40
- Complete Gold — Gold · $777.80/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $796.41/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $801.32/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Gold · $803.18/mo @ 40
- Blue KC Standard Gold Preferred-Care Blue EPO — Gold · $893.84/mo @ 40
- Standard Silver — Silver · $760.09/mo @ 40
- Complete Silver — Silver · $772.05/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $783.07/mo @ 40
- Complete Silver + Vision + Adult Dental — Silver · $795.39/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $806.02/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) — Silver · $806.13/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver · $822.24/mo @ 40
- UHC Silver Standard+ (Dental + Vision, No Referrals) — Silver · $826.48/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $826.58/mo @ 40
- Blue KC Standard Silver Preferred-Care Blue EPO — Silver · $862.17/mo @ 40
- Blue KC Community Silver Preferred-Care Blue EPO — Silver · $871.83/mo @ 40
Reviewed by Jason Burns, Editorial Steward.