Standard Silver
Silver · EPO · Ambetter Health · Missouri
At age 40 it costs between $523.28 and $779.74 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What this Silver plan costs if your income qualifies
Below certain incomes the marketplace improves a Silver plan's cost sharing automatically — you do not apply for it, and it happens on Silver and on no other metal level. The premium does not change; the deductible and what you pay at the doctor do.
| If your income is | Deductible | Most you could pay in a year | Primary care | Generic drugs |
|---|---|---|---|---|
| Above 250%, or not applied for | $6,000 | $8,900 | $40 | $20 |
| up to 150% of the federal poverty level | $0 | $2,200 | No Charge | No Charge |
| 150% to 200% | $700 | $3,300 | $20 | $10 |
| 200% to 250% | $3,000 | $7,400 | $40 | $20 |
CMS calls these cost-sharing reductions. The percentages are actuarial values, not discounts. HealthCare.gov works out which one you get from the income you report when you apply.
What CMS publishes about it
| Plan ID | 99723MO0090070 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Silver |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $6,000 |
| Deductible (family) | $12,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,900 |
| Family maximum | $17,800 |
| Primary care visit | $40 |
| Specialist visit | $80 |
| Emergency room | 40% Coinsurance after deductible |
| Inpatient stay | 40% Coinsurance after deductible |
| Generic drugs | $20 |
| Preferred brand drugs | $40 |
| Specialty drugs | $350 Copay after deductible |
| Adult dental included | No |
| Child dental included | No |
| Share of premium buying essential health benefits | 100.00% |
| Network directory | Who is in network |
| Summary of benefits | Summary of benefits and coverage |
| Drug list | Formulary |
| Customer service | 1-855-650-3789 · TTY 1-855-650-3789 |
Where it is sold, and what it costs there
109 counties. The premium is the price before any tax credit; what you pay depends on your income.
| County | At 21 | At 30 | At 40 | At 50 | At 60 |
|---|---|---|---|---|---|
| Franklin County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Jefferson County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Lincoln County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Saint Charles County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Saint Louis County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Saint Louis City | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Sainte Genevieve County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Warren County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Washington County | $409.46 | $464.72 | $523.28 | $731.28 | $1,111.24 |
| Cass County | $447.41 | $507.80 | $571.78 | $799.05 | $1,214.24 |
| Clay County | $447.41 | $507.80 | $571.78 | $799.05 | $1,214.24 |
| Jackson County | $447.41 | $507.80 | $571.78 | $799.05 | $1,214.24 |
| Platte County | $447.41 | $507.80 | $571.78 | $799.05 | $1,214.24 |
| Barry County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Cedar County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Christian County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Dade County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Dallas County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Douglas County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Greene County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Hickory County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Laclede County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Lawrence County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Ozark County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Polk County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Stone County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Taney County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Webster County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Wright County | $490.80 | $557.05 | $627.23 | $876.55 | $1,332 |
| Barton County | $520.66 | $590.94 | $665.39 | $929.88 | $1,413.04 |
| Jasper County | $520.66 | $590.94 | $665.39 | $929.88 | $1,413.04 |
| McDonald County | $520.66 | $590.94 | $665.39 | $929.88 | $1,413.04 |
| Newton County | $520.66 | $590.94 | $665.39 | $929.88 | $1,413.04 |
| Carter County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Crawford County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Dent County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Howell County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Iron County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Oregon County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Phelps County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Pulaski County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Reynolds County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Ripley County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Shannon County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Texas County | $524.25 | $595.02 | $669.98 | $936.30 | $1,422.80 |
| Bates County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Benton County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Henry County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Johnson County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Lafayette County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Pettis County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Saint Clair County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Saline County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Vernon County | $535.99 | $608.34 | $684.98 | $957.26 | $1,454.65 |
| Audrain County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Boone County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Callaway County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Camden County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Chariton County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Cole County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Cooper County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Gasconade County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Howard County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Maries County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Miller County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Moniteau County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Monroe County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Montgomery County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Morgan County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Osage County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Randolph County | $559.51 | $635.03 | $715.04 | $999.26 | $1,518.47 |
| Bollinger County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Butler County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Cape Girardeau County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Dunklin County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Madison County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Mississippi County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| New Madrid County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Pemiscot County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Perry County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Scott County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Stoddard County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Wayne County | $584.82 | $663.76 | $747.39 | $1,044.47 | $1,587.18 |
| Andrew County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Atchison County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Buchanan County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Caldwell County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Carroll County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Clinton County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Daviess County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| DeKalb County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Gentry County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Grundy County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Harrison County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Holt County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Livingston County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Mercer County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Nodaway County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Ray County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Worth County | $594.76 | $675.04 | $760.09 | $1,062.22 | $1,614.15 |
| Adair County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Knox County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Linn County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Macon County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Pike County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Putnam County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Ralls County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Shelby County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
| Sullivan County | $610.14 | $692.49 | $779.74 | $1,089.69 | $1,655.89 |
Open enrollment for 2026 coverage runs 1 November 2025 to 15 January 2026 in most states. Outside that window you need a qualifying life event — losing other coverage, moving, marrying, having a child — to enrol.
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Premiums, deductibles, out-of-pocket maximums and cost sharing are reproduced from the HealthCare.gov Qualified Health Plan landscape file published by the Centers for Medicare & Medicaid Services for plan year 2026. Nothing on this page is calculated by us. This is not a complete list of your options and it is not advice: to see every plan and to enrol, use HealthCare.gov or call 1-800-318-2596.