What health insurance costs without a subsidy in Saint Louis County, Missouri (2026)

In Saint Louis 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 $635.03. A 60-year-old pays at least $775.28/month, a 21-year-old at least $285.66. 5 insurers offer 68 plans, according to the CMS PY2026 QHP Landscape. 2027 plans for Saint Louis County are now available — to compare plans and sign up for coverage, call a licensed agent at 1-855-333-3555.

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 $509.77/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, 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.

Call 1-855-333-3555 — private U65 quote See your subsidized price at acadirectanswers.com

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Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.

Sources

CMS PY2026 QHP Landscape — Individual Market Medical (opens in new tab) — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Saint Louis County (FIPS 29189).
HealthCare.gov (opens in new tab) — 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

All Missouri counties →

Plans available in this county (68)

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
Bronze Classic Standard — Expanded Bronze · $430.47/mo @ 40
Anthem Bronze Pathway 7500 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Expanded Bronze · $433.68/mo @ 40
Bronze Classic 4700 — Expanded Bronze · $438.11/mo @ 40
Elite Bronze — Expanded Bronze · $439.11/mo @ 40
Bronze Simple Diabetes — Expanded Bronze · $440.54/mo @ 40
Bronze Elite + PCP Saver Plus — Expanded Bronze · $448.74/mo @ 40
Elite Bronze + Vision + Adult Dental — Expanded Bronze · $452.38/mo @ 40
Medica with SSM Health Bronze Share — Expanded Bronze · $468.20/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
Medica with SSM Health Bronze $0 Copay PCP Visits — Expanded Bronze · $486.68/mo @ 40
Medica with SSM Health Expanded Bronze Standard — Expanded Bronze · $490.77/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
Gold Simple — Gold · $509.77/mo @ 40
Standard Gold — Gold · $512.03/mo @ 40
Everyday Gold — Gold · $518.03/mo @ 40
Gold Classic Standard — Gold · $520.07/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
Medica with SSM Health Gold $0 Copay PCP Visits — Gold · $577.88/mo @ 40
Medica with SSM Health Gold Share — Gold · $580.54/mo @ 40
Balance by Medica Gold Standard — Gold · $583.28/mo @ 40
UHC Gold Standard (No Referrals) — Gold · $586.86/mo @ 40

Showing first 40 of 68 plans on file. Every remaining plan is listed below.

All other plans in Saint Louis County

Medica with SSM Health Gold Standard — Gold
UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) — Gold
UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Gold
UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) — Gold
Standard Silver — Silver
Complete Silver — Silver
Standard Silver + Vision + Adult Dental — Silver
Anthem Silver Pathway 7200 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Complete Silver + Vision + Adult Dental — Silver
Anthem Silver Pathway 5350 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Simple PCP Saver — Silver
Anthem Silver Pathway 6000 Standard ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Classic Standard — Silver
Anthem Heart Healthy Silver Pathway 3100 ($0 Virtual PCP + $0 Select Drugs + Incentives) — Silver
Silver Simple Diabetes — Silver
Silver Simple Women's Health with Menopause Benefits — Silver
Silver Elite Saver Plus — Silver
UHC Silver Standard (No Referrals) — Silver
UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) — Silver
Balance by Medica Silver $0 Copay PCP Visits — Silver
Balance by Medica Silver Share — Silver
UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) — Silver
Medica with SSM Health Silver $0 Copay PCP Visits — Silver
Balance by Medica Silver Standard — Silver
UHC Silver Standard+ (Dental + Vision, No Referrals) — Silver
UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) — Silver
Medica with SSM Health Silver Share — Silver
Medica with SSM Health Silver Standard — Silver

Reviewed by Jason Burns, Editorial Steward.

Reviewed by Heather Fabrizio, licensed in Missouri (License #3002917511) · reviewed Jul 27, 2026