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Marketplace health plans in Clay County, MO — 2027
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2027, Clay County, Missouri has 56 Marketplace health plans from 4 insurers: 19 bronze, 20 silver, 17 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $650.30 per month; the lowest bronze premium is $491.51.
What changed vs 2026
- Benchmark silver premium up $69.53 a month (+12.0%) from 2026
- 1 more plan than 2026
- Insurers exited: Medica
- Lowest bronze premium up $49.26 a month
Market snapshot
- Residents under 65
- 218,692
- Insurers
- 4
- Plans by metal level
- 19 bronze, 20 silver, 17 gold
- Benchmark silver premium, age 40, before subsidies
- $650.30/mo
- Lowest bronze premium, age 40, before subsidies
- $491.51/mo
- Lowest gold premium, age 40, before subsidies
- $627.72/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Ambetter Health — 17 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 14 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Kansas City — 8 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|---|---|---|---|---|---|---|
| Bronze | Signature Expanded Bronze (99723MO0090069) | Ambetter Health | EPO | $491.51 | $7,500 | $12,000 | 19 |
| Silver | Signature Silver (99723MO0090070) | Ambetter Health | EPO | $649.20 | $6,400 | $10,300 | 20 |
| Gold | Signature Gold (99723MO0090071) | Ambetter Health | EPO | $627.72 | $2,500 | $8,600 | 17 |
One plan per metal level shown, of 56 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter Health) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| $508.86 | $533.27 | $577.54 | $650.30 | $908.80 | $1,381.01 |
Nearby counties
Agent Tools
Free tools for licensed agents working Clay County.
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2027; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.