Health insurance plans in Phelps County, MO (2026)
81 marketplace plans from 8 insurers are offered in Phelps County. The cheapest silver plan is $626 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $468 | 28 |
| Silver | $626 | 29 |
| Gold | $578 | 22 |
| Catastrophic | $485 | 2 |
All plans in Phelps County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Medica | Medica with SSM Health Bronze Share | Bronze | EPO | — | — | $468 |
| Cox HealthPlans | Cox HealthPlans Bronze Preferred | Bronze | EPO | — | — | $473 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Catastrophic BlueSelect EPO | Catastrophic | EPO | — | — | $485 |
| Medica | Medica with SSM Health Bronze $0 Copay PCP Visits | Bronze | EPO | — | — | $487 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Bronze 2 with Spira Care BlueSelect EPO | Bronze | EPO | — | — | $490 |
| Medica | Medica with SSM Health Expanded Bronze Standard | Bronze | EPO | — | — | $491 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | EPO | — | — | $497 |
| Cox HealthPlans | Cox HealthPlans Bronze Expanded Standard | Bronze | EPO | — | — | $504 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | EPO | — | — | $505 |
| Oscar Insurance Company | Bronze Simple Diabetes | Bronze | EPO | — | — | $508 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | EPO | $0 | — | $518 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Standard Bronze BlueSelect EPO | Bronze | EPO | — | — | $533 |
| Anthem Blue Cross and Blue Shield | Anthem Catastrophic Pathway (+ Incentives) | Catastrophic | EPO | — | — | $559 |
| Medica | Medica with SSM Health Gold $0 Copay PCP Visits | Gold | EPO | — | — | $578 |
| Medica | Medica with SSM Health Gold Share | Gold | EPO | — | — | $581 |
| Ambetter Health | Standard Expanded Bronze | Bronze | EPO | — | — | $588 |
| Oscar Insurance Company | Gold Simple | Gold | EPO | — | — | $588 |
| Ambetter Health | Everyday Bronze | Bronze | EPO | — | — | $589 |
| Medica | Medica with SSM Health Gold Standard | Gold | EPO | — | — | $590 |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) · UHC Bronze-X Essential (No Referrals) | Bronze | EPO | — | — | $594 |
| Oscar Insurance Company | Gold Classic Standard | Gold | EPO | — | — | $600 |
| Ambetter Health | Standard Expanded Bronze + Vision + Adult Dental | Bronze | EPO | — | — | $606 |
| Ambetter Health | Everyday Bronze + Vision + Adult Dental | Bronze | EPO | — | — | $607 |
| Anthem Blue Cross and Blue Shield | Anthem Bronze Pathway 10150 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | EPO | — | — | $621 |
| Medica | Medica with SSM Health Silver $0 Copay PCP Visits | Silver | EPO | — | — | $626 |
| Medica | Medica with SSM Health Silver Share | Silver | EPO | — | — | $629 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) · UHC Bronze-X Standard (No Referrals) | Bronze | EPO | — | — | $631 |
| Medica | Medica with SSM Health Silver Standard | Silver | EPO | — | — | $635 |
| Ambetter Health | Elite Bronze | Bronze | EPO | $0 | — | $638 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | EPO | — | — | $640 |
| Oscar Insurance Company | Silver Classic Standard | Silver | EPO | — | — | $645 |
| Oscar Insurance Company | Silver Simple Diabetes | Silver | EPO | — | — | $646 |
| Oscar Insurance Company | Silver Simple Women's Health with Menopause Benefits | Silver | EPO | — | — | $649 |
| Anthem Blue Cross and Blue Shield | Anthem Bronze Pathway 6900 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | EPO | — | — | $650 |
| Oscar Insurance Company | Silver Elite Saver Plus | Silver | EPO | $0 | — | $651 |
| Blue Cross and Blue Shield of Kansas City | Blue KC Choice Silver 1 with Spira Care BlueSelect EPO | Silver | EPO | — | — | $651 |
| UnitedHealthcare | UHC Bronze Standard+ (Dental + Vision, No Referrals) · UHC Bronze-X Standard+ (Dental + Vision, No Referrals) | Bronze | EPO | — | — | $652 |
| Ambetter Health | Elite Bronze + Vision + Adult Dental | Bronze | EPO | $0 | — | $657 |
| Anthem Blue Cross and Blue Shield | Anthem Heart Healthy Bronze Pathway 4900 ($0 Virtual PCP + $0 Select Drugs + Incentives) | Bronze | EPO | — | — | $659 |
| Cox HealthPlans | Cox HealthPlans Gold Standard | Gold | EPO | — | — | $660 |
Showing 40 of 81 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $490 |
| 40 | $626 |
| 60 | $1,330 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Missouri · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in Phelps County County?
The cheapest plan for a 40-year-old non-smoker is $468 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $626.
How much does health insurance cost in Phelps County County?
For a 40-year-old non-smoker the cheapest plans in Phelps County start around $468 a month before subsidies. Silver plans cost from $626; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in Phelps County County?
8 insurers filed 81 plan options for this county in the 2026 CMS file.