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Marketplace health plans in Ray 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, Ray County, Missouri has 53 Marketplace health plans from 4 insurers: 18 bronze, 19 silver, 16 gold. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $748.21 per month; the lowest bronze premium is $530.09.
What changed vs 2026
- Benchmark silver premium up $103.70 a month (+16.1%) from 2026
- 7 more plans than 2026
- Lowest bronze premium up $39.59 a month
Market snapshot
- Residents under 65
- 18,677
- Insurers
- 4
- Plans by metal level
- 18 bronze, 19 silver, 16 gold
- Benchmark silver premium, age 40, before subsidies
- $748.21/mo
- Lowest bronze premium, age 40, before subsidies
- $530.09/mo
- Lowest gold premium, age 40, before subsidies
- $698.24/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 — 5 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 | Blue KC First Choice Bronze with $0 Spira Care BlueSelect (34762MO0590014) | Blue Cross and Blue Shield of Kansas City | EPO | $530.09 | $9,900 | $12,000 | 18 |
| Silver | Silver Core Plan (69512MO0010088) | Oscar Insurance Company | EPO | $747.61 | $9,000 | $10,300 | 19 |
| Gold | Gold Elite Saver Plus (69512MO0010089) | Oscar Insurance Company | EPO | $698.24 | $0 | $11,750 | 16 |
One plan per metal level shown, of 53 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 |
|---|---|---|---|---|---|
| $585.47 | $613.56 | $664.49 | $748.21 | $1,045.63 | $1,588.93 |
Nearby counties
Agent Tools
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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.