Blue KC Choice Silver 1 with Spira Care BlueSelect EPO — full price in Clay County, Missouri (2026)
Blue KC Choice Silver 1 with Spira Care BlueSelect EPO (34762MO0590004), a silver plan from Blue Cross and Blue Shield of Kansas City in Clay County, Missouri, costs $651.42/month full price for a 40-year-old in 2026 — $1383.37 at 60, with a $4,150 deductible and $8,000 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 34762MO0590004 · Issuer: Blue Cross and Blue Shield of Kansas City · Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Full-price premium by age (2026)
| Age | Monthly premium |
|---|---|
| 21 | $509.72 |
| 27 | $534.18 |
| 30 | $578.53 |
| 40 | $651.42 |
| 50 | $910.36 |
| 60 | $1383.37 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $4,150
- Family deductible: $8,300
- Individual out-of-pocket max: $8,000
- Family out-of-pocket max: $16,000
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $580.77/mo. This plan is $651.42/mo at 40 — a difference of $70.65/mo.
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 — how much less depends on income, household size, and county benchmark.
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Other silver plans in Clay County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Standard Silver | Ambetter from Home State Health | $571.78 |
| Complete Silver | Ambetter from Home State Health | $580.77 |
| Silver Simple PCP Saver | Oscar Insurance Company | $582.83 |
| Silver Classic Standard | Oscar Insurance Company | $587.04 |
| Silver Simple Diabetes | Oscar Insurance Company | $588.20 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 34762MO0590004 in FIPS 29047.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Clay County
Reviewed by Jason Burns, Editorial Steward.