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. Below you'll find how coverage works in St. Louis, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near St. Louis
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: St. Louis, 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.
Local health care in St. Louis
- SSM Health, which runs SSM Health Saint Louis University Hospital and Cardinal Glennon Children's Hospital, and Mercy, with Mercy Hospital St. Louis and Mercy Hospital South, are St. Louis networks worth checking in a plan's provider directory before you enroll. Source
- The independent City of St. Louis is served by the City of St. Louis Department of Health, which runs public health programs for city residents. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
A quick checklist
- 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.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- 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
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for MO HealthNet. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
How much is health insurance in St. Louis?
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.
Where can I buy health insurance in St. Louis?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Health insurance in nearby cities
- Maplewood, MO 5 miles
- Clayton, MO 5 miles
- Richmond Heights, MO 5 miles
- University City, MO 5 miles
- Shrewsbury, MO 6 miles
- Brentwood, MO 6 miles
- Cahokia, IL 6 miles
- Jennings, MO 6 miles
- East St. Louis, IL 6 miles
- Webster Groves, MO 7 miles