Missouri
Cheapest ACA plans in Saint Charles County, Missouri for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Saint Charles County, Missouri has 6 on-exchange carriers offering 68 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Ambetter from Home State Health Standard Expanded Bronze at $405 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Saint Charles County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Saint Charles County |
|---|---|---|
| Catastrophic | $365 | 1 |
| Expanded Bronze | $405 | 22 |
| Bronze | $406 | 2 |
| Gold | $510 | 19 |
| Silver | $523 | 24 |
The actual cheapest Bronze plan in Saint Charles County
Ambetter from Home State Health Standard Expanded Bronze
$405/moFor a family of four (two 40-year-olds and two kids under 14): Ambetter from Home State Health Standard Expanded Bronze at $1,294/month before subsidies.
Carriers selling 2026 plans in Saint Charles County
6 carriers sell 2026 plans on Healthcare.gov; 1 additional carrier offers off-exchange-only plans (not subsidy-eligible). 136 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Ambetter | 16 |
| UnitedHealthcare | 13 |
| Oscar | 11 |
| Anthem | 10 |
| Medica | 9 |
| SSMHIC Insurance Company | 9 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Bankers Reserve Life Insurance Co. | 52 |
Frequently asked questions
What is the cheapest ACA plan in Saint Charles County, Missouri for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Ambetter from Home State Health Standard Expanded Bronze at $405 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Missouri use Healthcare.gov?
Yes. Missouri participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Missouri does not operate a state-based exchange.
Has Missouri expanded Medicaid?
Yes, effective October 1, 2021. Missouri voters approved Amendment 2 in August 2020 with 53% support, directing the state to expand Medicaid to adults 19-64 up to 138% FPL. The legislature initially refused to fund the expansion; a July 2021 Missouri Supreme Court ruling forced implementation. There is no coverage gap in Missouri.
What was the Amendment 2 delay about?
Missouri voters passed Amendment 2 in August 2020 making Medicaid expansion a constitutional requirement. The Missouri legislature then refused to appropriate funding in its 2021 budget. A lawsuit resulted in a July 2021 Missouri Supreme Court ruling that the state must fund the expansion, and coverage for the expansion population began October 1, 2021.
More Missouri pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Missouri Department of Commerce and Insurance for rate review, carrier filings, and consumer guidance.
- Missouri Department of Social Services: MO HealthNet for MO HealthNet Medicaid eligibility and expansion enrollment.
- KFF: Missouri State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.