Best Cheap Health Insurance in Missouri (2024)

The Silver Pathway 5900 plan from Anthem Blue Cross Blue Shield is the best cheap health insurance in Missouri, at $430 per month.

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Anthem Blue Cross Blue Shield also has the cheapest Bronze plan in Missouri, and Ambetter has the cheapest Gold plan. But Silver plans are a good choice for most people, since they give you good coverage and an affordable rate.

Health insurance costs an average of $594 per month in Missouri for a 40-year-old with a Silver plan.

UnitedHealthcare is the best health insurance company in Missouri because of its low average rates, high-quality plans and excellent customer service. Elevance, formerly called Anthem, is the most popular company in the state. It sells over 30% of all health insurance plans in MO.

How much does health insurance cost in Missouri?

The average cost of a health insurance plan in Missouri is $594 for a 40-year-old with a Silver plan. But your rate will depend heavily on how old you are. Younger people pay lower rates than older people, since they tend to have fewer health problems.

Missouri health insurance rate by age and plan tier

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Additionally, the more coverage a plan gives you, the more expensive it will likely be. Gold plans are the highest level of coverage available, and they cost an average of $51 more per month than a Silver plan for a 40-year-old. Lower-tier plans, like Bronze and Catastrophic, have lower monthly rates but less coverage. You'll pay more when you get medical care if you have a lower-tier plan.

Cheapest health insurance in Missouri

The best cheap health insurance plan in MO is the Silver Pathway 5900 from Anthem Blue Cross Blue Shield. It gives you good coverage and can cost up to $164 less than the state average for a Silver plan.

Cheapest plan
Monthly cost
Catastrophic Balance by Medica Catastrophic $253
Bronze Anthem BCBS Bronze Pathway 9450 $341
Silver Anthem BCBS Silver Pathway 5900 $430
Gold Ambetter Clear Gold $462

Monthly costs are for a 40-year-old.

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No matter what plan tier you choose, you'll have coverage for at least 10 different situations. These include doctor visits, emergency care and lab services.

The difference between the plan levels comes in how much you pay for these medical services. Higher-tier plans will pay more of your bills, which means you pay less out of your own pocket. Conversely, lower-tier plans pay a lower share of your bills, so you have to pay more out of pocket.

Finding your best health insurance coverage in Missouri

When you buy health insurance in Missouri, you can choose between four levels of coverage, called plan tiers: Catastrophic, Bronze, Silver and Gold. Higher tiers, like Gold, cost more each month but also pay for more of your medical care. Lower tiers are the opposite. They cost less but require you to pay more for your health care.

Typically, if you have high medical costs, a higher-tier plan is the best option. But if you're young and healthy, and you don't expect to need much medical care, a lower-tier plan could be a better fit.

If you choose a Gold, Silver or Bronze plan, you might qualify for premium tax credits, also called rate subsidies. These are discounts that lower the monthly cost of our health insurance plan. Many people are able to get health insurance for $10 or less per month with rate subsidies. The exact amount of your subsidy will depend on your income and the cost of plans in your area. You have to make less than about $58,000 per year as a single person or $120,000 per year as a family of four to qualify.

Gold plans: Best for expensive medical needs

If you use or expect to use your health insurance often, a Gold plan might be the best choice. Gold plans have higher monthly costs, which are offset by the lower amount you pay for your health care bills. That's because Gold plans usually have lower deductibles, coinsurance and copay amounts.

Silver plans: Best for most people

Silver plans are a good health insurance option for most people, because they offer a balance between monthly costs and coverage. Silver plans usually have higher deductibles and out-of-pocket limits than Gold plans, but you'll pay a lower monthly rate. If you need an average amount of medical care, a Silver plan is a good choice.

piggy bank

If you make less than about $36,000 per year as a single person or $75,000 per year as a family of four, you might be able to save money on your health care costs with a Silver plan. These plans are the only level that can qualify for what are called cost-sharing reductions.

These discounts lower your deductible, coinsurance, copays and overall out-of-pocket limit, so you pay for less of your health care bills. Cost-sharing reductions can also be combined with rate subsidies, which lower the monthly cost for a plan. This gives you lower health care costs and a lower monthly rate.

Bronze and Catastrophic plans: Best for young, healthy people

Bronze and Catastrophic plans have the cheapest monthly rates. But you'll pay a high portion of your health care bills with these plans. If you are young and healthy, and you don't need medical care often, they can be a good option. Just make sure you have the savings to pay for a large share of your medical bills if something serious happens, like an unexpected surgery.

Anyone can buy a Bronze plan, but you have to be under 30 years old or qualify for an exemption to buy a Catastrophic plan. You also can't use rate subsidies to lower your monthly rate with Catastrophic plans.

Medicaid: Best for low incomes

MO HealthNet, Missouri's Medicaid program, is designed to help low-income families and individuals get health insurance coverage. To qualify for Medicaid in Missouri, your annual income has to be below about $20,000 as a single person or $41,000 as a family of four.

Missouri has Medicaid programs for several groups.

  • Adults
  • Children
  • Pregnant women
  • Families
  • Seniors
  • Women without health insurance
  • People with disabilities
  • People who are blind or visually impaired
  • Women with breast or cervical cancer

Are health insurance rates going up in Missouri?

Health insurance in Missouri is getting more affordable. Silver plans, which are the most popular option in the state, had the smallest price decrease but are still $32 cheaper each month in 2024 compared to 2023. Gold plans had the largest price decrease. They cost $116 less each month this year.

Change (2023 vs. 2024)
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Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Missouri

UnitedHealthcare is the best health insurance company in Missouri.

It has low average rates and a high rate of customer satisfaction. Plus, UnitedHealthcare has a large network of doctors and medical offices, which can make finding in-network care easier.

Best health insurance companies in Missouri

UnitedHealthcare logo
Aetna logo
BlueCross BlueShield  logo
BCBS of Kansas City
Oscar logo
Anthem logo
Anthem BCBS
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Average monthly cost for a 40-year-old buying a Silver plan in MO. Ratings are based on editor reviews of the company.

caution symbol

You may want to be cautious about getting a health insurance plan from Medica. It has the lowest rating of any health insurance company in Missouri, at just 2 out of 5 stars. That means its plans may not offer access to high-quality medical care, and customers might be frustrated or unsatisfied by their interactions with the company.

Cheapest health insurance plan by Missouri county

Health insurance rates vary by county, and not all companies and plans are available throughout Missouri. In St. Louis, the cheapest Silver plan is the Anthem BCBS Silver Pathway 5900. But in most of the rest of the state, the Standard Silver plan from Ambetter is the cheapest Silver option.

Cheapest plan
Monthly rates
AdairAmbetter Standard Silver$614
AndrewAmbetter Standard Silver$625
AtchisonAmbetter Standard Silver$625
AudrainAmbetter Standard Silver$625
BarryCox Silver Standard$503
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Missouri

In Missouri, a family of four — two adults and two children under age 15 — pay an average of $1,899 per month for a Silver health insurance plan. A couple with no children pays $1,188 for the same coverage.

Children age 14 or younger are charged a flat rate of $356 per month on a Silver plan. When a child reaches age 15, the rate to cover them will increase yearly based on their age.

Family size
Average cost
Individual and child$950
Couple, age 40$1,188
Family of three (adult couple and a child)$1,544
Family of four (adult couple and two children)$1,899
Family of five (adult couple and three children)$2,255

Short-term health insurance in Missouri

You can buy short-term health insurance in Missouri, but you have to work directly with a health insurance company. You can't buy a plan on Plans can last for up to a year, and you can renew the coverage twice to get a total of three years of coverage.

Short-term health insurance can be a good option if you miss the chance to buy a plan from during open enrollment or lose your previous health insurance coverage from a job. But short-term plans don't usually cover all the same benefits that Affordable Care Act plans do. This can include guaranteed benefits like maternity care and prescription drug services. Before you buy a short-term health insurance plan, make sure you understand what it does and doesn't cover.

Frequently asked questions

What is the average cost of health insurance in Missouri?

The average cost of health insurance in Missouri for 2024 is $594 per month for a 40-year-old with a Silver plan. However, health insurance costs vary depending on the tier of coverage, where you live and your age.

Which company has the most affordable health insurance in Missouri?

In Missouri, Ambetter has the most affordable Silver plan for most people. The cheapest Silver plan in the state, however, is from Anthem Blue Cross Blue Shield — but it isn't as widely available as Ambetter.

How do I get cheap health insurance in Missouri?

When shopping for a health insurance plan in Missouri, start by comparing plans from several different companies. Then, keeping your medical needs in mind, you can evaluate which companies offer the best rates and pick the policy that works for you.


Health insurance rates and plan information for 2024 are from the Centers for Medicare & Medicaid Services (CMS) government website. ValuePenguin used the public use files to find average values by age, plan tier, family size and county to better understand the health insurance marketplace in Missouri.

Plans and providers for which county-level data was included in the CMS Crosswalk file were used in this analysis; those excluded from this data set may not appear. Kaiser Family Foundation provided the data on the most popular plan level in Missouri.

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.