Health Insurance

Best Cheap Health Insurance in Missouri 2021

Best Cheap Health Insurance in Missouri 2021

Find Cheap Health Insurance Quotes in Missouri

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In 2021, the average cost of health insurance in Missouri across all metal tiers is $548, which is 5% less than the cost was in 2020.

The cheapest health insurance in Missouri for most people comes from Ambetter. Two plans, Ambetter Balanced Care 11 (2021) and Ambetter Balanced Care 129 (2021), are the cheapest options in a combined 56% of the state's counties. In the remaining counties, five different plans are the cheapest options.

Select a plan tier to learn more:

On the Missouri health insurance exchange, there are four tiers of coverage to choose from based on your financial and medical needs. The Silver metal tier stands out for offering subsidized plans depending on your income level.

Cheapest health insurance by metal tier

We compared Missouri health insurance policies by metal tier to help you with your search for your best coverage. In the table below, we identify the cheapest plan in the state within each coverage tier, along with sample rates and coverage terms.

These particular policies may not be available or the cheapest in your county, since the best health insurance plans differ by region, but they can still be used as a baseline in comparing the different costs and benefits among each metal tier.

Metal tier
Cheapest plan
Deductible
Maximum out-of-pocket cost
Monthly cost for a 40-year-old
CatastrophicBalance by Medica Catastrophic$8,550$8,550$221
BronzeWellFirst Bronze Value Copay 8500X$8,500$8,500$298
Expanded BronzeWellFirst Bronze Copay Plus 8500X$8,500$8,500$303
SilverCigna Connect 5500$5,500$8,550$413
GoldWellFirst Gold Value Copay 3700X$3,700$3,700$449
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Generally, a higher metal tier health plan means more expensive monthly premiums but lower out-of-pocket costs. For example, the WellFirst Bronze Value Copay 8500X plan has a minimum monthly premium of $298, which is about $115 less per month than the cheapest Silver plan, Cigna Connect 5500. However, the Silver plan offers cheaper out-of-pocket costs with a deductible $3,000 lower than the Bronze plan.

Regardless of which metal tier plan you choose, your monthly health insurance rates will increase with age. For example, a 60-year-old will pay 112% more on average than a 40-year-old in Missouri for the same health coverage. This means a 60-year-old would pay $666 more per month on average for a Silver health plan

Finding your best health insurance coverage in Missouri

The Missouri health insurance marketplace offers policies in the following four tiers: Catastrophic, Bronze, Silver and Gold. Higher metal tier health plans, like Gold policies, typically have the most expensive premiums, but affordable out-of-pocket expenses, like deductibles, copays and coinsurance.

This means if you have high recurring medical costs, like prescriptions, or think you may need medical care, a higher metal tier plan may be the best option for you. On the other hand, if you are young, healthy and have no expected medical costs — and can cover the higher cost-sharing — a lower metal tier policy may be the choice for you.

Gold plans: best for high expected medical costs

If you use or expect to use your insurance often, Gold health insurance plans are typically the most cost-effective since they have the smallest out-of-pocket costs. If you use your insurance often, the lower deductibles and copay can balance out the expensive monthly premiums.

Ultimately, Gold plans are best if you have high expected medical costs, such as chronic conditions that may require constant medical attention, or are concerned about being able to pay out of pocket for an unexpected condition.

On average, the cheapest Gold plan in Missouri is WellFirst Gold Value Copay 3700X. Compare all tiers in Missouri above.

Silver plans: best for those with low income or average medical costs

Silver plans are a good health insurance option for those looking for a balance between costs and benefits. However, these health plans can still be quite costly if you don't qualify for premium subsidies,such as cost-sharing reduction (CSR) subsidies, which are no longer funded by the federal government.

If you are part of a lower-income household, you may qualify for CSR subsidies with a Silver health plan, which would further lower your out-of-pocket expenses. Typical Silver plans cover about 70% of your health care costs, while you pay 30%. But under CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

The cheapest Silver plan on average in Missouri is Cigna Connect 5500. Compare all tiers in Missouri above.

Bronze and Catastrophic plans: best for young, healthy people

Catastrophic and Bronze plans typically have less expensive premiums compared to Silver and Gold plans. However, you must be under 30 years old or qualify for an exemption to purchase a Catastrophic plan. These cheap policies come with lower coverage, meaning higher out-of-pocket costs.

So, if you need medical care during the year, you would have to pay more money yourself in deductibles and copays before the policy provides coverage. We wouldn't recommend Bronze or Catastrophic policies unless you can afford the higher deductibles, copays and coinsurance in the case of a medical emergency.

The cheapest Bronze plan in Missouri is WellFirst Bronze Value Copay 8500X. The cheapest Catastrophic plan is Balance by Medica Catastrophic. Compare all tiers in Missouri above.

Health insurance rate changes in Missouri

In Missouri, health insurance providers adjust their premiums, deductibles and out-of-pocket maximums annually depending on a variety of factors. These changes are then reported to federal regulators to be approved.

In 2021, the cost of health insurance for all metal tiers dropped in Missouri. The cost of Catastrophic plans, followed by Bronze plans, fell the most, relative to other metal tiers. Catastrophic plans cost 26% less in 2021 than they did last year, and Bronze plans are 7% more affordable in 2021.

Metal tier
2020 premium
2021 premium
Change
Catastrophic$442$325-26%
Bronze$456$425-7%
Expanded Bronze$496$475-4%
Silver$627$593-5%
Gold$715$689-4%

Premiums are for a 40-year-old adult.

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Short-term health insurance in Missouri

Missouri short-term health insurance is available for purchase through off-exchange health insurance providers. Federal regulations for these plans allow coverage lengths for up to one year, but Missouri limits short-term plans by allowing coverage to only last six months. However, you can renew a plan after the first coverage period.

Short-term health insurance can be useful if you miss the opportunity to purchase a marketplace plan during open enrollment or lose your previous health insurance coverage. But it is important to know that short-term policies do not cover all the essential benefits that Affordable Care Act plans do. This can include guaranteed benefits like maternity and prescription drug services.

Find Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Missouri

There are currently eight health insurance companies that service Missouri:

  • Anthem Blue Cross and Blue Shield
  • Ambetter from Home State Health
  • Blue Cross and Blue Shield of Kansas City
  • Medica
  • Cox HealthPlans
  • Cigna Healthcare
  • Oscar Insurance Company
  • WellFirst Health

Many counties only have one insurer for residents to choose a health plan from, but some of the larger counties, including Jackson and Clay in the Kansas City metro area, have multiple insurers available. Despite the limited selection of health insurance companies in most counties, a range of plans in different metal tiers is available to tailor your coverage.

Cheapest health insurance plan by county

Finding the best health plan for you can be challenging since the selection of plans and their cost changes depending on the region where you live.

For instance, for a 40-year-old, the monthly cost of the Ambetter Balanced Care 11 Silver plan is $49 more expensive in Adair County than it is in Barton County. To make this process simpler, we compared rates for every Silver policy in Missouri to find the cheapest Silver health plan in each county, listed in the table below.

County
Cheapest plan
Individual, age 40
Couple, age 40
Couple, age 40 + child
AdairAmbetter Balanced Care 11 (2021)$547$1,095$1,423
AndrewAmbetter Balanced Care 129 (2021)$522$1,044$1,357
AtchisonAmbetter Balanced Care 129 (2021)$522$1,044$1,357
AudrainAnthem Silver Pathway X 6750$632$1,265$1,643
BarryBalance by Medica Silver Copay$469$938$1,218
BartonAmbetter Balanced Care 11 (2021)$498$996$1,294
BatesAmbetter Balanced Care 129 (2021)$500$1,000$1,299
BentonAmbetter Balanced Care 129 (2021)$500$1,000$1,299
BollingerAmbetter Balanced Care 11 (2021)$565$1,131$1,469
BooneCigna Connect 5500$528$1,055$1,371
BuchananAmbetter Balanced Care 129 (2021)$522$1,044$1,357
ButlerAmbetter Balanced Care 11 (2021)$565$1,131$1,469
Show All Rows
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(2021)","$522","$1,044","$1,357"],["Harrison","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Henry","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Hickory","Balance by Medica Silver Copay","$469","$938","$1,218"],["Holt","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Howard","Medica with MU Health Care Silver Copay","$627","$1,255","$1,630"],["Howell","Balance by Medica Silver Copay","$469","$938","$1,218"],["Iron","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Jackson","Ambetter Balanced Care 129 (2021)","$456","$912","$1,185"],["Jasper","Balance by Medica Silver Copay","$469","$938","$1,218"],["Jefferson","Cigna Connect 5500","$413","$827","$1,074"],["Johnson","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Knox","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Laclede","Balance by Medica Silver Copay","$469","$938","$1,218"],["Lafayette","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Lawrence","Balance by Medica Silver Copay","$469","$938","$1,218"],["Lewis","Anthem Silver Pathway X 6750","$724","$1,448","$1,881"],["Lincoln","Cigna Connect 5500","$413","$827","$1,074"],["Linn","Select by Medica Silver Copay","$540","$1,079","$1,402"],["Livingston","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Macon","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Madison","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Maries","Anthem Silver Pathway X 6750","$632","$1,265","$1,643"],["Marion","Anthem Silver Pathway X 6750","$724","$1,448","$1,881"],["McDonald","Balance by Medica Silver Copay","$469","$938","$1,218"],["Mercer","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Miller","Medica with MU Health Care Silver Copay","$627","$1,255","$1,630"],["Mississippi","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Moniteau","Medica with MU Health Care Silver Copay","$627","$1,255","$1,630"],["Monroe","Anthem Silver Pathway X 6750","$632","$1,265","$1,643"],["Montgomery","Anthem Silver Pathway X 6750","$632","$1,265","$1,643"],["Morgan","Medica with MU Health Care Silver Copay","$627","$1,255","$1,630"],["New Madrid","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Newton","Balance by Medica Silver Copay","$469","$938","$1,218"],["Nodaway","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Oregon","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Osage","Medica with MU Health Care Silver Copay","$627","$1,255","$1,630"],["Ozark","Ambetter Balanced Care 11 (2021)","$486","$971","$1,262"],["Pemiscot","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Perry","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Pettis","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Phelps","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Pike","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Platte","Ambetter Balanced Care 129 (2021)","$456","$912","$1,185"],["Polk","Balance by Medica Silver Copay","$469","$938","$1,218"],["Pulaski","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Putnam","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Ralls","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Randolph","Anthem Silver Pathway X 6750","$632","$1,265","$1,643"],["Ray","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Reynolds","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Ripley","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Saint Charles","Cigna Connect 5500","$413","$827","$1,074"],["Saint Clair","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Saint Francois","Cigna Connect 5500","$413","$827","$1,074"],["Saint Louis","Cigna Connect 5500","$413","$827","$1,074"],["Saint Louis City","Cigna Connect 5500","$413","$827","$1,074"],["Sainte Genevieve","Cigna Connect 5500","$413","$827","$1,074"],["Saline","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Schuyler","Anthem Silver Pathway X 6750","$724","$1,448","$1,881"],["Scotland","Anthem Silver Pathway X 6750","$724","$1,448","$1,881"],["Scott","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Shannon","Ambetter Balanced Care 11 (2021)","$537","$1,074","$1,395"],["Shelby","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Stoddard","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Stone","Balance by Medica Silver Copay","$469","$938","$1,218"],["Sullivan","Ambetter Balanced Care 11 (2021)","$547","$1,095","$1,423"],["Taney","Ambetter Balanced Care 129 (2021)","$469","$939","$1,220"],["Texas","Balance by Medica Silver Copay","$469","$938","$1,218"],["Vernon","Ambetter Balanced Care 129 (2021)","$500","$1,000","$1,299"],["Warren","Cigna Connect 5500","$413","$827","$1,074"],["Washington","Cigna Connect 5500","$413","$827","$1,074"],["Wayne","Ambetter Balanced Care 11 (2021)","$565","$1,131","$1,469"],["Webster","Balance by Medica Silver Copay","$469","$938","$1,218"],["Worth","Ambetter Balanced Care 129 (2021)","$522","$1,044","$1,357"],["Wright","Balance by Medica Silver Copay","$469","$938","$1,218"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Average cost of health insurance by family size in Missouri

The number of people covered by a particular health insurance plan and their ages contribute to the cost of coverage. When you add a child to your health insurance plan, the price will increase by an additional flat rate until they are 15 years old. Once they reach age 15, the monthly rate will increase as they grow older.

For instance, the average insurance cost for a family of three in Missouri, assuming two 40-year-old parents and one child on a Silver plan, is $1,541. If you were to add another child to the plan, the monthly premium would increase by $355. So for a family of four, the total monthly cost of health coverage would be $1,896.

Family size
Average monthly cost of health plan
Individual plus child$948
Couple age 40$1,186
Family of three (adult couple and a child)$1,541
Family of four (adult couple and two children)$1,896
Family of five (adult couple and three children)$2,251

Adults are assumed to be 40 years old, while children are 14 years old or younger. Sample rates are based on the average cost for a Silver plan in Missouri.

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Methodology

Health insurance rates, deductibles and out-of-pocket maximums were aggregated from data found on the Centers for Medicaid & Medicare Services government website. ValuePenguin used the Public Use Files (PUF) to calculate average values by metal tier, family size and county to better understand the health insurance marketplace in Missouri.

Sterling Price

Sterling Price is a research analyst at ValuePenguin specializing in health and life insurance. He graduated from Syracuse University with a bachelors degree in Finance and Accounting and has previous experience as a licensed life insurance representative.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.