Standard Gold
Gold · EPO · Ambetter Health · Missouri
At age 40 it costs between $512.03 and $762.99 a month before any subsidy, depending on which county you live in — a marketplace plan is priced per rating area, not per state.
What CMS publishes about it
| Plan ID | 99723MO0090071 |
|---|---|
| Insurer | Ambetter Health |
| Metal level | Gold |
| Plan type | EPO |
| Standardised design | Design 1 — a plan CMS defined the benefits of, so it can be compared like for like |
| Deductible (individual) | $2,000 |
| Deductible (family) | $4,000 |
| Drug deductible | Included in the medical deductible |
| Most you could pay in a year | $8,200 |
| Family maximum | $16,400 |
| Primary care visit | $30 |
| Specialist visit | $60 |
| Emergency room | 25% Coinsurance after deductible |
| Inpatient stay | 25% Coinsurance after deductible |
| Generic drugs | $15 |
| Preferred brand drugs | $30 |
| Specialty drugs | $250 |
| 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 | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Jefferson County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Lincoln County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Saint Charles County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Saint Louis County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Saint Louis City | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Sainte Genevieve County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Warren County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Washington County | $400.66 | $454.74 | $512.03 | $715.57 | $1,087.37 |
| Cass County | $437.80 | $496.89 | $559.49 | $781.89 | $1,188.15 |
| Clay County | $437.80 | $496.89 | $559.49 | $781.89 | $1,188.15 |
| Jackson County | $437.80 | $496.89 | $559.49 | $781.89 | $1,188.15 |
| Platte County | $437.80 | $496.89 | $559.49 | $781.89 | $1,188.15 |
| Barry County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Cedar County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Christian County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Dade County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Dallas County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Douglas County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Greene County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Hickory County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Laclede County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Lawrence County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Ozark County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Polk County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Stone County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Taney County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Webster County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Wright County | $480.26 | $545.08 | $613.75 | $857.72 | $1,303.39 |
| Barton County | $509.47 | $578.24 | $651.09 | $909.90 | $1,382.68 |
| Jasper County | $509.47 | $578.24 | $651.09 | $909.90 | $1,382.68 |
| McDonald County | $509.47 | $578.24 | $651.09 | $909.90 | $1,382.68 |
| Newton County | $509.47 | $578.24 | $651.09 | $909.90 | $1,382.68 |
| Carter County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Crawford County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Dent County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Howell County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Iron County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Oregon County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Phelps County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Pulaski County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Reynolds County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Ripley County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Shannon County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Texas County | $512.99 | $582.23 | $655.59 | $916.19 | $1,392.23 |
| Bates County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Benton County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Henry County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Johnson County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Lafayette County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Pettis County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Saint Clair County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Saline County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Vernon County | $524.47 | $595.27 | $670.27 | $936.69 | $1,423.40 |
| Audrain County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Boone County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Callaway County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Camden County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Chariton County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Cole County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Cooper County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Gasconade County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Howard County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Maries County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Miller County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Moniteau County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Monroe County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Montgomery County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Morgan County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Osage County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Randolph County | $547.49 | $621.39 | $699.68 | $977.79 | $1,485.85 |
| Bollinger County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Butler County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Cape Girardeau County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Dunklin County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Madison County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Mississippi County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| New Madrid County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Pemiscot County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Perry County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Scott County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Stoddard County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Wayne County | $572.26 | $649.50 | $731.33 | $1,022.04 | $1,553.08 |
| Andrew County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Atchison County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Buchanan County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Caldwell County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Carroll County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Clinton County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Daviess County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| DeKalb County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Gentry County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Grundy County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Harrison County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Holt County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Livingston County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Mercer County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Nodaway County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Ray County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Worth County | $581.98 | $660.54 | $743.76 | $1,039.40 | $1,579.47 |
| Adair County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Knox County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Linn County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Macon County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Pike County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Putnam County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Ralls County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Shelby County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
| Sullivan County | $597.03 | $677.62 | $762.99 | $1,066.28 | $1,620.31 |
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.