Before subsidies, the benchmark silver plan for a 40-year-old in St. Louis County cost about $532 a month for 2026, and the Missouri average for 2027 is $675 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in St. Louis County for 2026. Keep reading for what's sold in St. Louis County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Richmond Heights
Licensed agents can compare plans available in St. Louis County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Richmond Heights, MO
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $675/mo before subsidies |
| St. Louis County benchmark (2026) | $532/mo |
| Plans offered in St. Louis County (2026) | 68 |
| Plan types | EPO |
| Marketplace insurers in Missouri (2027) | 6 |
| Medicaid expansion | Yes |
| Short-term plans | Sold (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
How to get ready
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Check that the agent's license is active with the state regulator.
- Ask each agent which carriers they can quote in your county.
Free enrollment help in Missouri
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Which insurers sell marketplace plans in Missouri?
For 2027, marketplace plans in Missouri come from 6 insurers: Anthem Blue Cross and Blue Shield (Healthy Alliance), Blue Cross and Blue Shield of Kansas City, Ambetter (Celtic), Medica, Oscar Health and UnitedHealthcare. Not every insurer sells in every county.
Where can I buy health insurance in Richmond Heights?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Richmond Heights?
Before subsidies, the benchmark silver plan for a 40-year-old in St. Louis County cost about $532 a month for 2026, and the Missouri average for 2027 is $675 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in St. Louis County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- Clayton, MO under 1 mile
- Brentwood, MO 1 mile
- Maplewood, MO 1 mile
- University City, MO 2 miles
- Ladue, MO 3 miles
- Shrewsbury, MO 3 miles
- Webster Groves, MO 3 miles
- Glendale, MO 4 miles
- Olivette, MO 4 miles
- St. Louis, MO 5 miles