ACA marketplace plans in Clay County, Missouri (2026)
Clay County, Missouri has 55 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $442 to $988 and a benchmark (second-lowest-cost silver) plan at $581 per month.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $409.50 | $523.34 | $1,111.38 | $10,600 | $10,600 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Catastrophic BlueSelect EPO | Catastrophic | $379.31 | $484.75 | $1,029.44 | $10,600 | $10,600 |
| Ambetter from Home State Health | Standard Expanded Bronze | Expanded Bronze | $346.06 | $442.25 | $939.18 | $7,500 | $10,000 |
| Ambetter from Home State Health | Everyday Bronze | Expanded Bronze | $346.82 | $443.23 | $941.25 | $8,450 | $10,150 |
| Oscar Insurance Company | Bronze Classic Standard | Expanded Bronze | $353.92 | $452.29 | $960.50 | $7,500 | $10,000 |
| Ambetter from Home State Health | Standard Expanded Bronze + Vision + Adult Dental | Expanded Bronze | $356.52 | $455.62 | $967.57 | $7,500 | $10,000 |
| Ambetter from Home State Health | Everyday Bronze + Vision + Adult Dental | Expanded Bronze | $357.31 | $456.62 | $969.70 | $8,450 | $10,150 |
| Oscar Insurance Company | Bronze Classic 4700 | Expanded Bronze | $360.20 | $460.32 | $977.55 | $4,700 | $9,800 |
| Oscar Insurance Company | Bronze Simple Diabetes | Expanded Bronze | $362.20 | $462.88 | $982.99 | $5,500 | $10,150 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Expanded Bronze | $368.94 | $471.49 | $1,001.28 | $0 | $10,600 |
| Ambetter from Home State Health | Elite Bronze | Expanded Bronze | $375.45 | $479.81 | $1,018.94 | $0 | $10,500 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO | Expanded Bronze | $383.81 | $490.50 | $1,041.65 | $8,500 | $10,600 |
| Ambetter from Home State Health | Elite Bronze + Vision + Adult Dental | Expanded Bronze | $386.80 | $494.31 | $1,049.74 | $0 | $10,500 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Bronze BlueSelect EPO | Expanded Bronze | $416.95 | $532.86 | $1,131.59 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $435.06 | $556.00 | $1,180.74 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) | Expanded Bronze | $449.16 | $574.02 | $1,219.01 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Expanded Bronze | $459.02 | $586.63 | $1,245.78 | $0 | $10,600 |
| Medica | Select by Medica Bronze Share | Expanded Bronze | $572.17 | $731.24 | $1,552.88 | $8,000 | $10,600 |
| Medica | Select by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | $594.60 | $759.90 | $1,613.74 | $7,500 | $10,600 |
| Medica | Select by Medica Expanded Bronze Standard | Expanded Bronze | $599.65 | $766.36 | $1,627.46 | $7,500 | $10,000 |
| Oscar Insurance Company | Gold Simple | Gold | $419.12 | $535.62 | $1,137.46 | $3,300 | $9,950 |
| Oscar Insurance Company | Gold Classic Standard | Gold | $427.59 | $546.45 | $1,160.45 | $2,000 | $8,200 |
| Ambetter from Home State Health | Standard Gold | Gold | $437.80 | $559.49 | $1,188.15 | $2,000 | $8,200 |
| Ambetter from Home State Health | Everyday Gold | Gold | $442.93 | $566.05 | $1,202.08 | $800 | $7,250 |
| Ambetter from Home State Health | Standard Gold + Vision + Adult Dental | Gold | $451.03 | $576.40 | $1,224.07 | $2,000 | $8,200 |
| Ambetter from Home State Health | Everyday Gold + Vision + Adult Dental | Gold | $456.32 | $583.16 | $1,238.41 | $800 | $7,250 |
| Ambetter from Home State Health | Complete Gold | Gold | $457.84 | $585.10 | $1,242.54 | $1,450 | $7,700 |
| Ambetter from Home State Health | Complete Gold + Vision + Adult Dental | Gold | $471.68 | $602.79 | $1,280.10 | $1,450 | $7,700 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $531.86 | $679.72 | $1,443.48 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage ($0 Virtual Urgent Care, No Referrals) | Gold | $534.82 | $683.50 | $1,451.50 | $1,500 | $8,100 |
| UnitedHealthcare | UHC Gold Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Gold | $548.92 | $701.52 | $1,489.77 | $1,500 | $8,100 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Gold BlueSelect EPO | Gold | $551.57 | $704.91 | $1,496.96 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, $8 Tier 2 Rx, No Referrals) | Gold | $553.58 | $707.48 | $1,502.42 | $0 | $8,000 |
| Medica | Select by Medica Gold $0 Copay PCP Visits | Gold | $704.91 | $900.88 | $1,913.13 | $1,500 | $8,800 |
| Medica | Select by Medica Gold Share | Gold | $708.39 | $905.32 | $1,922.56 | $2,500 | $5,900 |
| Medica | Select by Medica Gold Standard | Gold | $718.97 | $918.84 | $1,951.28 | $2,000 | $8,200 |
| Ambetter from Home State Health | Standard Silver | Silver | $447.41 | $571.78 | $1,214.24 | $6,000 | $8,900 |
| Ambetter from Home State Health | Complete Silver | Silver | $454.45 | $580.77 | $1,233.35 | $5,950 | $8,850 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | $456.06 | $582.83 | $1,237.72 | $5,100 | $10,000 |
| Oscar Insurance Company | Silver Classic Standard | Silver | $459.36 | $587.04 | $1,246.66 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple Diabetes | Silver | $460.26 | $588.20 | $1,249.12 | $6,500 | $10,000 |
| Ambetter from Home State Health | Standard Silver + Vision + Adult Dental | Silver | $460.93 | $589.06 | $1,250.94 | $6,000 | $8,900 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits | Silver | $462.41 | $590.94 | $1,254.94 | $6,000 | $10,150 |
| Oscar Insurance Company | Silver Elite Saver Plus | Silver | $463.88 | $592.83 | $1,258.95 | $0 | $10,150 |
| Ambetter from Home State Health | Complete Silver + Vision + Adult Dental | Silver | $468.19 | $598.33 | $1,270.63 | $5,950 | $8,850 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Silver 1 with Spira Care BlueSelect EPO | Silver | $509.72 | $651.42 | $1,383.37 | $4,150 | $8,000 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Silver BlueSelect EPO | Silver | $532.03 | $679.94 | $1,443.94 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $555.54 | $709.98 | $1,507.74 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage ($0 Virtual Urgent Care, No Referrals) | Silver | $555.61 | $710.08 | $1,507.94 | $3,500 | $10,300 |
| UnitedHealthcare | UHC Silver Copay Focus $0 Indiv Med Ded ($0 Virtual Urgent Care, No Referrals) | Silver | $566.72 | $724.27 | $1,538.08 | $0 | $10,600 |
| UnitedHealthcare | UHC Silver Standard+ (Dental + Vision, No Referrals) | Silver | $569.64 | $728.00 | $1,546.01 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage+ ($0 Virtual Urgent Care, Dental + Vision, No Referrals) | Silver | $569.71 | $728.10 | $1,546.20 | $3,500 | $10,300 |
| Medica | Select by Medica Silver $0 Copay PCP Visits | Silver | $762.71 | $974.75 | $2,070.00 | $3,500 | $10,450 |
| Medica | Select by Medica Silver Share | Silver | $765.87 | $978.78 | $2,078.58 | $3,525 | $8,850 |
| Medica | Select by Medica Silver Standard | Silver | $773.37 | $988.37 | $2,098.93 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.