What health insurance costs without a subsidy in Saint Clair County, Missouri (2026)
In Saint Clair County, Missouri, the benchmark silver plan costs $695.76/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $529.81 to $893.84. A 60-year-old pays at least $1125.13/month, a 21-year-old at least $414.57. 4 insurers offer 43 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 $414.57/mo
- Age 40 — starting at $529.81/mo
- Age 60 — starting at $1125.13/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $531.83/mo
- Silver — starting at $684.98/mo
- Gold — starting at $670.27/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, 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.
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Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Saint Clair County (FIPS 29185).
- 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 (43)
- UHC Bronze Essential (No Referrals) — Bronze · $531.83/mo @ 40
- Standard Expanded Bronze — Expanded Bronze · $529.81/mo @ 40
- Everyday Bronze — Expanded Bronze · $530.98/mo @ 40
- Standard Expanded Bronze + Vision + Adult Dental — Expanded Bronze · $545.83/mo @ 40
- Everyday Bronze + Vision + Adult Dental — Expanded Bronze · $547.03/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $565.02/mo @ 40
- Elite Bronze — Expanded Bronze · $574.81/mo @ 40
- UHC Bronze Standard+ (Dental + Vision, No Referrals) — Expanded Bronze · $583.33/mo @ 40
- Elite Bronze + Vision + Adult Dental — Expanded Bronze · $592.18/mo @ 40
- UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Expanded Bronze · $596.14/mo @ 40
- Balance by Medica Bronze $0 Copay PCP Visits — Expanded Bronze · $657.56/mo @ 40
- Balance by Medica Expanded Bronze Standard — Expanded Bronze · $663.15/mo @ 40
- Balance by Medica Bronze Premier — Expanded Bronze · $669.52/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 · $670.27/mo @ 40
- Everyday Gold — Gold · $678.12/mo @ 40
- Standard Gold + Vision + Adult Dental — Gold · $690.53/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $690.75/mo @ 40
- UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold · $694.58/mo @ 40
- Everyday Gold + Vision + Adult Dental — Gold · $698.62/mo @ 40
- Complete Gold — Gold · $700.95/mo @ 40
- UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold · $712.90/mo @ 40
- UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Gold · $718.95/mo @ 40
- Complete Gold + Vision + Adult Dental — Gold · $722.13/mo @ 40
- Balance by Medica Gold $0 Copay PCP Visits — Gold · $779.55/mo @ 40
- Balance by Medica Gold Share — Gold · $783.40/mo @ 40
- Balance by Medica Gold Standard — Gold · $795.10/mo @ 40
- Blue KC Standard Gold Preferred-Care Blue EPO — Gold · $893.84/mo @ 40
- Standard Silver — Silver · $684.98/mo @ 40
- Complete Silver — Silver · $695.76/mo @ 40
- Standard Silver + Vision + Adult Dental — Silver · $705.69/mo @ 40
- Complete Silver + Vision + Adult Dental — Silver · $716.79/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $721.50/mo @ 40
- UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) — Silver · $721.59/mo @ 40
- UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver · $736.02/mo @ 40
- UHC Silver Standard+ (Dental + Vision, No Referrals) — Silver · $739.81/mo @ 40
- UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver · $739.90/mo @ 40
- Balance by Medica Silver $0 Copay PCP Visits — Silver · $843.48/mo @ 40
- Balance by Medica Silver Share — Silver · $846.97/mo @ 40
Showing first 40 of 43 plans on file.
Reviewed by Jason Burns, Editorial Steward.