Best Cheap Health Insurance in Missouri 2019

Find the Cheapest Health Insurance Quotes in Your Area

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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. In Missouri, the cheapest Silver health plan was either the Anthem Silver Pathway X 6000, Ambetter Balanced Care 4 or Cigna Connect 4500, depending on where you live. The most affordable plan will depend on where you reside in because the monthly premium and plan availability will change depending on county.

Cheapest Health Insurance by Metal Tier

We compared Missouri health insurance policies by metal tier to help you with your search for the 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 count, since the best health 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 TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicAnthem Catastrophic Pathway X 7350$7,350$7,350$418.62
BronzeCigna Connect 7000$7,000$7,350$281.26
SilverCigna Connect 4500$4,500$7,350$420.99
GoldAmbetter Secure Care 1 with 3 Free PCP Visits$1,000$6,350$636.48

A higher metal tier health plan will mean more expensive monthly premiums but lower out-of-pocket costs. For example, the Cigna Connect 7000 Bronze plan has a minimum monthly premium of $281, which is about $140 less per month than the cheapest Silver plan, Cigna Connect 4500. However, the Silver plan offers cheaper out-of-pocket costs with a deductible $2,500 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 $718 more per month on average for a Silver health plan, or $591 more for a Bronze plan.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Missouri

Finding the 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 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.

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, because the cost-sharing reduction (CSR) subsidies 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.

Bronze and Catastrophic Plans: Best for Young, Healthy People

Catastrophic and Bronze plans typically have lower-cost premiums compared to Silver and Gold plans. However, you must be under 30 or qualify for an exemption to purchase a Catastrophic plan. And 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.

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 like Affordable Care Act plans. This can include guaranteed benefits like maternity and prescription drug services.

Find the Cheapest Health Insurance Quotes in Your Area

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Best Cheap Health Insurance Companies in Missouri

There are currently three health insurance companies on the Missouri exchange: Celtic Insurance Company, Cigna Health and Life Insurance Company and Healthy Alliance Life Co(Anthem BCBS). However, Medica has announced that they will be joining the exchange next year.

Most counties only have one insurer for residents to choose a health plan from, but some of the larger counties such as Jackson and Clay county have two 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 you're in. For instance, the monthly cost of the Cigna Connect 3700 Silver plan is $62 more expensive in Jackson County than it is in Franklin County, for a 30-year-old. 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.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40 plus Child
AdairAnthem Silver Pathway X 6000$663$1,325$1,722
AndrewAmbetter Balanced Care 4$610$1,220$1,585
AtchisonAmbetter Balanced Care 4$610$1,220$1,585
AudrainAnthem Silver Pathway X 6000$579$1,158$1,504
BarryAmbetter Balanced Care 4$542$1,083$1,408
BartonAnthem Silver Pathway X 6000$510$1,020$1,325
BatesAmbetter Balanced Care 4$601$1,203$1,563
BentonAmbetter Balanced Care 4$601$1,203$1,563
BollingerAnthem Silver Pathway X 6000$612$1,224$1,590
BooneCigna Connect 4500$457$914$1,188
BuchananAmbetter Balanced Care 4$610$1,220$1,585
ButlerAnthem Silver Pathway X 6000$612$1,224$1,590
CaldwellAmbetter Balanced Care 4$610$1,220$1,585
CallawayAnthem Silver Pathway X 6000$579$1,158$1,504
CamdenAnthem Silver Pathway X 6000$579$1,158$1,504
Cape GirardeauAnthem Silver Pathway X 6000$612$1,224$1,590
CarrollAmbetter Balanced Care 4$610$1,220$1,585
CarterAnthem Silver Pathway X 6000$612$1,223$1,589
CassCigna Connect 4500$484$968$1,258
CedarAnthem Silver Pathway X 6000$536$1,073$1,394
CharitonAnthem Silver Pathway X 6000$579$1,158$1,504
ChristianAmbetter Balanced Care 4$542$1,083$1,408
ClarkAnthem Silver Pathway X 6000$663$1,325$1,722
ClayCigna Connect 4500$484$968$1,258
ClintonAmbetter Balanced Care 4$610$1,220$1,585
ColeAnthem Silver Pathway X 6000$579$1,158$1,504
CooperAnthem Silver Pathway X 6000$579$1,158$1,504
CrawfordAnthem Silver Pathway X 6000$612$1,223$1,589
DadeAnthem Silver Pathway X 6000$536$1,073$1,394
DallasAnthem Silver Pathway X 6000$536$1,073$1,394
DaviessAmbetter Balanced Care 4$610$1,220$1,585
DekalbAmbetter Balanced Care 4$610$1,220$1,585
DentAnthem Silver Pathway X 6000$612$1,223$1,589
DouglasAnthem Silver Pathway X 6000$536$1,073$1,394
DunklinAnthem Silver Pathway X 6000$612$1,224$1,590
FranklinCigna Connect 4500$421$842$1,094
GasconadeAnthem Silver Pathway X 6000$579$1,158$1,504
GentryAmbetter Balanced Care 4$610$1,220$1,585
GreeneAmbetter Balanced Care 4$542$1,083$1,408
GrundyAmbetter Balanced Care 4$610$1,220$1,585
HarrisonAmbetter Balanced Care 4$610$1,220$1,585
HenryAmbetter Balanced Care 4$601$1,203$1,563
HickoryAnthem Silver Pathway X 6000$536$1,073$1,394
HoltAmbetter Balanced Care 4$610$1,220$1,585
HowardAnthem Silver Pathway X 6000$579$1,158$1,504
HowellAnthem Silver Pathway X 6000$612$1,223$1,589
IronAnthem Silver Pathway X 6000$612$1,223$1,589
JacksonCigna Connect 4500$484$968$1,258
JasperAmbetter Balanced Care 4$503$1,005$1,306
JeffersonCigna Connect 4500$421$842$1,094
JohnsonAmbetter Balanced Care 4$601$1,203$1,563
KnoxAnthem Silver Pathway X 6000$663$1,325$1,722
LacledeAnthem Silver Pathway X 6000$536$1,073$1,394
LafayetteAmbetter Balanced Care 4$601$1,203$1,563
LawrenceAmbetter Balanced Care 4$542$1,083$1,408
LewisAnthem Silver Pathway X 6000$663$1,325$1,722
LincolnCigna Connect 4500$421$842$1,094
LinnAnthem Silver Pathway X 6000$663$1,325$1,722
LivingstonAmbetter Balanced Care 4$610$1,220$1,585
MaconAnthem Silver Pathway X 6000$663$1,325$1,722
MadisonAnthem Silver Pathway X 6000$612$1,224$1,590
MariesAnthem Silver Pathway X 6000$579$1,158$1,504
MarionAnthem Silver Pathway X 6000$663$1,325$1,722
McdonaldAnthem Silver Pathway X 6000$510$1,020$1,325
MercerAmbetter Balanced Care 4$610$1,220$1,585
MillerAnthem Silver Pathway X 6000$579$1,158$1,504
MississippiAnthem Silver Pathway X 6000$612$1,224$1,590
MoniteauAnthem Silver Pathway X 6000$579$1,158$1,504
MonroeAnthem Silver Pathway X 6000$579$1,158$1,504
MontgomeryAnthem Silver Pathway X 6000$579$1,158$1,504
MorganAnthem Silver Pathway X 6000$579$1,158$1,504
New MadridAnthem Silver Pathway X 6000$612$1,224$1,590
NewtonAmbetter Balanced Care 4$503$1,005$1,306
NodawayAmbetter Balanced Care 4$610$1,220$1,585
OregonAnthem Silver Pathway X 6000$612$1,223$1,589
OsageAnthem Silver Pathway X 6000$579$1,158$1,504
OzarkAnthem Silver Pathway X 6000$536$1,073$1,394
PemiscotAnthem Silver Pathway X 6000$612$1,224$1,590
PerryAnthem Silver Pathway X 6000$612$1,224$1,590
PettisAmbetter Balanced Care 4$601$1,203$1,563
PhelpsAnthem Silver Pathway X 6000$612$1,223$1,589
PikeAnthem Silver Pathway X 6000$663$1,325$1,722
PlatteCigna Connect 4500$484$968$1,258
PolkAnthem Silver Pathway X 6000$536$1,073$1,394
PulaskiAnthem Silver Pathway X 6000$612$1,223$1,589
PutnamAnthem Silver Pathway X 6000$663$1,325$1,722
RallsAnthem Silver Pathway X 6000$663$1,325$1,722
RandolphAnthem Silver Pathway X 6000$579$1,158$1,504
RayCigna Connect 4500$483$967$1,256
ReynoldsAnthem Silver Pathway X 6000$612$1,223$1,589
RipleyAnthem Silver Pathway X 6000$612$1,223$1,589
Saint CharlesCigna Connect 4500$421$842$1,094
Saint ClairAmbetter Balanced Care 4$601$1,203$1,563
Saint FrancoisCigna Connect 4500$421$842$1,094
Saint LouisCigna Connect 4500$421$842$1,094
Saint Louis CityCigna Connect 4500$421$842$1,094
Sainte GenevieveCigna Connect 4500$421$842$1,094
SalineAmbetter Balanced Care 4$601$1,203$1,563
SchuylerAnthem Silver Pathway X 6000$663$1,325$1,722
ScotlandAnthem Silver Pathway X 6000$663$1,325$1,722
ScottAnthem Silver Pathway X 6000$612$1,224$1,590
ShannonAnthem Silver Pathway X 6000$612$1,223$1,589
ShelbyAnthem Silver Pathway X 6000$663$1,325$1,722
StoddardAnthem Silver Pathway X 6000$612$1,224$1,590
StoneAnthem Silver Pathway X 6000$536$1,073$1,394
SullivanAnthem Silver Pathway X 6000$663$1,325$1,722
TaneyAnthem Silver Pathway X 6000$536$1,073$1,394
TexasAnthem Silver Pathway X 6000$612$1,223$1,589
VernonAmbetter Balanced Care 4$601$1,203$1,563
WarrenCigna Connect 4500$421$842$1,094
WashingtonCigna Connect 4500$421$842$1,094
WayneAnthem Silver Pathway X 6000$612$1,224$1,590
WebsterAnthem Silver Pathway X 6000$536$1,073$1,394
WorthAmbetter Balanced Care 4$610$1,220$1,585
WrightAnthem Silver Pathway X 6000$536$1,073$1,394

Average Cost of Health Insurance by Family Size in Missouri

The number of people covered by a particular health insurance plan and their ages will all 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 monthly health insurance cost for a family of three in Missouri, assuming two 40-year-old parents and two children on a Silver plan, is $1,659. If you were to add another child to the plan, the monthly premium would increase by $382. So for a family of four, the total monthly cost of health coverage would be $2,041.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$638
Adult Couple$1,277
Family of three (Adult couple and a child)$1,659
Family of four (Adult couple and two children)$2,041
Family of five (Adult couple and three children)$2,423
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Missouri.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.