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Marketplace health plans in Cooper County, MO — 2026
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 2026, Cooper County, Missouri has 48 Marketplace health plans from 4 insurers: 17 bronze, 16 silver, 14 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $715.40 per month; the lowest bronze premium is $545.75.
What changed vs 2025
- Benchmark silver premium up $136.84 a month (+23.7%) from 2025
- 2 fewer plans than 2025
- Lowest bronze premium up $115.38 a month
Market snapshot
- Residents under 65
- 13,490
- Insurers
- 4
- Plans by metal level
- 17 bronze, 16 silver, 14 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $715.40/mo
- Lowest bronze premium, age 40, before subsidies
- $545.75/mo
- Lowest gold premium, age 40, before subsidies
- $661.18/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $5,900
Insurers in the county
- Ambetter from Home State Health — 16 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 13 plans (Bronze, Silver, Gold)
- Anthem Blue Cross and Blue Shield — 10 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 9 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 |
|---|
| Catastrophic | Anthem Catastrophic Pathway (+ Incentives) (32753MO0980017) | Anthem Blue Cross and Blue Shield | EPO | $528.71 | $10,600 | $10,600 | 1 |
|---|
| Bronze | UHC Bronze Essential (No Referrals) (95426MO0410021) | UnitedHealthcare | EPO | $545.75 | $10,600 | $10,600 | 17 |
|---|
| Silver | Standard Silver (99723MO0090070) | Ambetter from Home State Health | EPO | $715.04 | $6,000 | $8,900 | 16 |
|---|
| Gold | Medica with MU Health Care Gold $0 Copay PCP Visits (53461MO0070045) | Medica | EPO | $661.18 | $1,500 | $8,800 | 14 |
|---|
One plan per metal level shown, of 48 plans in the county.
Benchmark silver premium by age
The benchmark plan (Medica) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $559.78 | $586.65 | $635.35 | $715.40 | $999.77 | $1,519.25 |
Nearby counties
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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 2026; 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.