Health insurance plans in Jackson County, Missouri (2026)

• 5carriers selling 2026 marketplace plans in Jackson County
• 58plans on the Jackson shelf, from 20 bronze to 17 gold
• $581benchmark silver for a 40 year old in Jackson, full price per month

Who sells marketplace plans in Jackson County

Jackson County and St. Louis County, the two Missouri counties I track, have the same number of carriers, five each. Across all 79 counties and parishes I track in 24 states, 30 have more carriers than Jackson. The biggest lineup in Jackson belongs to Ambetter Health with 16 plans, about 28 percent of everything on offer.

Jackson plan counts from the CMS 2026 landscape file (county FIPS 29095, Rating Area 3). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.

What it costs in Jackson County before any subsidy

These are the full monthly prices, before any premium tax credit, for the cheapest Jackson plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Jackson pay less, often a lot less.

Benchmark silver is the second lowest of the 20 silver premiums listed for Jackson. The last column is two adults aged 40 plus two children.

What these numbers mean if you live in Jackson County

The gold row is the surprise in Jackson County. The cheapest gold plan for a 40 year old, $536 a month, is $36 cheaper than the cheapest silver plan at $572. That happens because Missouri carriers load the cost of the extra silver discounts into silver premiums. If your income is too high for those discounts, silver is the worst value on the Jackson shelf, and a gold deductible here tops out at $3,300.

In Jackson County the benchmark is $139 above the cheapest bronze at age 40, and 16 of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $581 benchmark minus what the government expects you to pay from your income. A 40 year old in Jackson whose expected share is $139 a month or less would pay nothing for the cheapest bronze. At 60 the Jackson gap grows to $294 and at 21 it shrinks to $108, which is why older enrollees are the ones most likely to find a $0 plan.

St. Louis County, around Florissant, is the other Missouri county I track. Compared with St. Louis County, the Jackson benchmark is $49 higher at 40 and the cheapest bronze is $38 higher. Blue Cross and Blue Shield of Kansas City sells in Jackson and not in St. Louis County. Anthem Blue Cross and Blue Shield sells in St. Louis County and not in Jackson.

Jackson plans by metal level, network and deductible

There is not a single PPO on the 2026 marketplace in Jackson County. All 58 plans are EPO plans. Outside emergencies, the 58 EPO plans in Jackson generally pay nothing out of network, so the network list matters more than the premium. 7 plans in Jackson have a $0 medical deductible (4 expanded bronze, 2 silver and 1 gold). The 4 bronze ones among them still have out of pocket maximums of $10,500 to $10,600, so a $0 deductible does not mean a small bill.

2027 plans for Jackson County

These are the 2026 plans and prices for Jackson County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Jackson numbers then. Open enrollment for 2027 coverage in Missouri runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1.

Questions about Jackson County coverage

More for Jackson County residents

• Health insurance brokers in Missouri, how to choose one and what it costs
• Every 2027 carrier change in Missouri
• How Jackson compares with the other 78 counties and parishes I track
• Estimate a Jackson subsidy