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Marketplace health plans in Ray 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, Ray County, Missouri has 46 Marketplace health plans from 4 insurers: 16 bronze, 16 silver, 13 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $644.51 per month; the lowest bronze premium is $490.50.
What changed vs 2025
- Benchmark silver premium up $87.46 a month (+15.7%) from 2025
- 11 fewer plans than 2025
- Insurers exited: Aetna CVS Health
- Lowest bronze premium up $36.21 a month
Market snapshot
- Residents under 65
- 18,677
- Insurers
- 4
- Plans by metal level
- 16 bronze, 16 silver, 13 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $644.51/mo
- Lowest bronze premium, age 40, before subsidies
- $490.50/mo
- Lowest gold premium, age 40, before subsidies
- $588.05/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Ambetter from Home State Health — 16 plans (Bronze, Silver, Gold)
- UnitedHealthcare — 13 plans (Bronze, Silver, Gold)
- Oscar Insurance Company — 11 plans (Bronze, Silver, Gold)
- Blue Cross and Blue Shield of Kansas City — 6 plans (Catastrophic, 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 | Blue KC Catastrophic BlueSelect EPO (34762MO0590023) | Blue Cross and Blue Shield of Kansas City | EPO | $484.75 | $10,600 | $10,600 | 1 |
|---|
| Bronze | Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO (34762MO0590014) | Blue Cross and Blue Shield of Kansas City | EPO | $490.50 | $8,500 | $10,600 | 16 |
|---|
| Silver | Silver Simple PCP Saver (69512MO0010025) | Oscar Insurance Company | EPO | $639.89 | $5,100 | $10,000 | 16 |
|---|
| Gold | Gold Simple (69512MO0010064) | Oscar Insurance Company | EPO | $588.05 | $3,300 | $9,950 | 13 |
|---|
One plan per metal level shown, of 46 plans in the county.
Benchmark silver premium by age
The benchmark plan (Oscar Insurance Company) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $504.32 | $528.52 | $572.39 | $644.51 | $900.70 | $1,368.70 |
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.