What health insurance costs without a subsidy in Ray County, Missouri (2026)
In Ray County, Missouri, the benchmark silver plan costs $644.51/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $484.75 to $826.58. A 60-year-old pays at least $1029.44/month, a 21-year-old at least $379.31. 4 insurers offer 46 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 $379.31/mo
- Age 40 — starting at $484.75/mo
- Age 60 — starting at $1029.44/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $594.13/mo
- Silver — starting at $639.89/mo
- Gold — starting at $588.05/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, Oscar Insurance Company, 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 Ray County (FIPS 29177).
- 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 (46)
- UHC Bronze Essential (No Referrals) — Bronze · $594.13/mo @ 40
- Blue KC Catastrophic BlueSelect EPO — Catastrophic · $484.75/mo @ 40
- Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO — Expanded Bronze · $490.50/mo @ 40
- Bronze Classic Standard — Expanded Bronze · $496.57/mo @ 40
- Bronze Classic 4700 — Expanded Bronze · $505.38/mo @ 40
- Bronze Simple Diabetes — Expanded Bronze · $508.20/mo @ 40
- Bronze Elite + PCP Saver Plus — Expanded Bronze · $517.65/mo @ 40
- Blue KC Standard Bronze BlueSelect EPO — Expanded Bronze · $532.86/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
- Gold Simple — Gold · $588.05/mo @ 40
- Gold Classic Standard — Gold · $599.94/mo @ 40
- Blue KC Standard Gold BlueSelect EPO — Gold · $704.91/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
- Silver Simple PCP Saver — Silver · $639.89/mo @ 40
- Silver Classic Standard — Silver · $644.51/mo @ 40
- Silver Simple Diabetes — Silver · $645.78/mo @ 40
- Silver Simple Women's Health with Menopause Benefits — Silver · $648.79/mo @ 40
- Silver Elite Saver Plus — Silver · $650.86/mo @ 40
- Blue KC Choice Silver 1 with Spira Care BlueSelect EPO — Silver · $651.42/mo @ 40
- Blue KC Standard Silver BlueSelect EPO — Silver · $679.94/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
Showing first 40 of 46 plans on file.
Reviewed by Jason Burns, Editorial Steward.