Complete Gold — full price in Ray County, Missouri (2026)
Complete Gold (99723MO0090016), a gold plan from Ambetter from Home State Health in Ray County, Missouri, costs $777.80/month full price for a 40-year-old in 2026 — $1651.77 at 60, with a $1,450 deductible and $7,700 out-of-pocket max, per the CMS PY2026 QHP Landscape.
HIOS plan ID: 99723MO0090016 · Issuer: Ambetter from Home State Health · 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 | $608.62 |
| 27 | $637.82 |
| 30 | $690.77 |
| 40 | $777.80 |
| 50 | $1086.98 |
| 60 | $1651.77 |
Deductibles & out-of-pocket max (2026)
- Individual deductible: $1,450
- Family deductible: $2,900
- Individual out-of-pocket max: $7,700
- Family out-of-pocket max: $15,400
Vs. county benchmark
The county benchmark silver premium for a 40-year-old is $644.51/mo. This plan is $777.80/mo at 40 — a difference of $133.29/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.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Other gold plans in Ray County
| Plan | Issuer | Premium @ 40 |
|---|---|---|
| Gold Simple | Oscar Insurance Company | $588.05 |
| Gold Classic Standard | Oscar Insurance Company | $599.94 |
| Blue KC Standard Gold BlueSelect EPO | Blue Cross and Blue Shield of Kansas City | $704.91 |
| Standard Gold | Ambetter from Home State Health | $743.76 |
| Everyday Gold | Ambetter from Home State Health | $752.47 |
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — the plan record for HIOS ID 99723MO0090016 in FIPS 29177.
- Summary of Benefits & Coverage (SBC)
- Provider network directory
- Drug formulary
- Methodology
← All plans and costs in Ray County
Reviewed by Jason Burns, Editorial Steward.