- 5carriers selling 2027 marketplace plans in St. Louis County
- 66plans on the St. Louis shelf, from 22 bronze to 19 gold
- $591benchmark silver for a 40 year old in St. Louis, full price per month
Who sells marketplace plans in St. Louis County
St. Louis County has more carriers than Jackson County, the other Missouri county I track, five against four. Across all 79 counties and parishes I track, 33 have more carriers than St. Louis. The biggest lineup in St. Louis belongs to Ambetter Health with 17 plans, about 26 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Ambetter Health | 17 | 6 | 5 | 6 | EPO 17 |
| UnitedHealthcare | 17 | 5 | 6 | 6 | EPO 17 |
| OscarOscar Insurance Company | 14 | 5 | 6 | 3 | EPO 14 |
| Anthem Blue Cross and Blue Shield | 10 | 4 | 4 | 1 | EPO 10 |
| Medica | 8 | 2 | 3 | 3 | EPO 8 |
St. Louis plan counts from the CMS 2027 landscape file (county FIPS 29189, Rating Area 6). 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 St. Louis County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest St. Louis 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 St. Louis pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $350 | $447 | $949 | $894 | $1,429 |
| Lowest silver | $462 | $590 | $1,253 | $1,180 | $1,887 |
| Benchmark silver (second lowest) | $463 | $591 | $1,256 | $1,182 | $1,890 |
| Lowest gold | $439 | $561 | $1,191 | $1,122 | $1,794 |
Benchmark silver is the second lowest of the 24 silver premiums listed for St. Louis. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in St. Louis County
The gold row is the surprise in St. Louis County. The cheapest gold plan for a 40 year old, $561 a month, is $29 cheaper than the cheapest silver plan at $590. 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 St. Louis shelf, and a gold deductible here tops out at $3,500.
In St. Louis County the benchmark is $144 above the cheapest bronze at age 40, and twelve 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 $591 benchmark minus what the government expects you to pay from your income. A 40 year old in St. Louis whose expected share is $144 a month or less would pay nothing for the cheapest bronze. At 60 the St. Louis gap grows to $307 and at 21 it shrinks to $113, which is why older enrollees are the ones most likely to find a $0 plan.
Jackson County, around Kansas City, is the other Missouri county I track. Compared with Jackson County, the St. Louis benchmark is $59 lower at 40 and the cheapest bronze is $45 lower. Anthem Blue Cross and Blue Shield and Medica sell in St. Louis and not in Jackson County. Blue Cross and Blue Shield of Kansas City sells in Jackson County and not in St. Louis.
This page covers St. Louis County only. The City of St. Louis is a separate county of its own in the CMS file and is not included here.
St. Louis plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 1 | 0 | |
| Bronze | 2 | 0 | $8,000 to $11,750 |
| Expanded Bronze | 20 | 5 | $0 to $11,700 |
| Silver | 24 | 2 | $0 to $9,000 |
| Gold | 19 | 3 | $0 to $3,500 |
| Total | 66 | 10 |
There is not a single PPO on the 2027 marketplace in St. Louis County. All 66 plans are EPO plans. Outside emergencies, the 66 EPO plans in St. Louis generally pay nothing out of network, so the network list matters more than the premium. 10 plans in St. Louis have a $0 medical deductible (5 expanded bronze, 3 gold and 2 silver). The 5 bronze ones among them still have out of pocket maximums of $11,800 to $12,000, so a $0 deductible does not mean a small bill.
Every St. Louis price on this page is before subsidies, and most enrollees pay less. For a 40 year old in St. Louis the premium tax credit is measured against the $591 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the St. Louis numbers for you.
2027 plans for St. Louis County
These are the 2027 plans and prices for St. Louis County, from the CMS plan file released at the end of October 2026. 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. If you already have a St. Louis plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about St. Louis County coverage
How many health insurance companies sell marketplace plans in St. Louis County, Missouri?
For 2027, five carriers sell individual marketplace plans in St. Louis County: Ambetter Health, UnitedHealthcare, Oscar, Anthem Blue Cross and Blue Shield and Medica. Together they offer 66 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in St. Louis County?
At full price before any subsidy, the cheapest bronze plan in St. Louis County is $350 a month for a 21 year old, $447 at 40 and $949 at 60. In St. Louis a couple both aged 40 pays $894 for the cheapest bronze, and two 40 year olds with two children pay $1,429. Catastrophic plans in St. Louis, open only to people under 30 or with a hardship exemption, start at $275 at age 21. Most people in St. Louis who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in St. Louis County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $591 a month for a 40 year old in St. Louis County before subsidies. In St. Louis it is $463 at age 21 and $1,256 at age 60, and the lowest silver plan is $590 at 40.
Did any insurance company leave St. Louis County for 2027?
No. Every carrier that sold plans in St. Louis County in 2026 also has plans there in the 2027 CMS plan file. Plans and networks inside each company can still change, so read your renewal notice.
Can I get a PPO plan in St. Louis County?
Not on the 2027 marketplace. All 66 plans in St. Louis County are EPO plans. 10 of them have a $0 medical deductible, and the cheapest gold plan for a 40 year old in St. Louis is $561 a month before subsidies.
More for St. Louis County residents
- Health insurance brokers in Missouri, how to choose one and what it costs
- Every 2027 carrier change in Missouri
- How St. Louis compares with the other 78 counties and parishes I track
- Estimate a St. Louis subsidy
Get your St. Louis County quote
Send me your ZIP and who needs coverage and I will compare every St. Louis plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), St. Louis County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines