St. Louis Health Insurance Costs
Average benchmark Silver plan in St. Louis runs $412/month for a 40-year-old before subsidies. After ACA tax credits, most residents pay much less.
Top St. Louis Carriers
We compare every major carrier serving St. Louis ZIP codes in real time.
Major St. Louis Hospitals We Cover
We verify your preferred hospital is in-network before you enroll. Out-of-network bills can be 3-5× higher.
St. Louis Open Enrollment 2027
Open enrollment for 2027 coverage runs November 1, 2026 – January 15, 2027. Outside that window, St. Louis residents need a qualifying life event to buy or switch a marketplace plan.
| 2027 Open Enrollment | Date |
|---|---|
| Open Enrollment opens | November 1, 2026 |
| Last day to enroll for coverage starting January 1 | December 15, 2026 |
| Open Enrollment closes (coverage starts February 1) | January 15, 2027 |
St. Louis is an independent city, separate from St. Louis County, so it is priced as its own county; plan choices and prices are set by county and ZIP code. Missouri uses the federal marketplace, HealthCare.gov. A 2025 rule that would have ended enrollment on December 15 was struck down — here is why the deadline is January 15.
What changes for St. Louis enrollees in 2027
- Smaller credits, and a cliff at 400%. With the enhanced credits gone, a single adult in St. Louis earning $35,000 is expected to pay about $219/mo toward the benchmark Silver plan in 2027 (credit $193/mo). Earn over $63,840 and there is no credit at all, so at today's $412 benchmark you would pay full price — see what else changed.
- Compare before you renew. If you do nothing you are usually re-enrolled, but Anthem Blue Cross Blue Shield and other St. Louis carriers can change premiums, networks and drug lists for 2027. Shop again before December 15, and update your 2027 income estimate so you are not repaying credit at tax time.
- Medicaid: Missouri expanded Medicaid, so adults earning up to 138% of the poverty level — about $22,025 a year for a single adult in 2026 — usually qualify for Medicaid instead of a marketplace plan, and can apply any time of year.
Estimated 2027 tax credit for a single adult in St. Louis
Based on St. Louis's current benchmark Silver estimate of $412/month for a 40-year-old and the IRS 2027 contribution percentages:
| Single adult income | % of poverty level | Your 2027 share | Est. tax credit | Benchmark Silver after credit |
|---|---|---|---|---|
| $25,000 | 157% | 4.63% of income ($96/mo) | $316/mo | $96/mo |
| $35,000 | 219% | 7.51% of income ($219/mo) | $193/mo | $219/mo |
| $45,000 | 282% | 9.66% of income ($362/mo) | $50/mo | $362/mo |
| $55,000 | 345% | 10.22% of income ($468/mo) | $0/mo | $412/mo |
| $65,000 | 407% | No credit above 400% | $0 | $412/mo |
2027 premiums post on November 1, so your exact credit will differ. Ages, household size and ZIP code all change the number — try the subsidy calculator or get an exact quote.
Before you pick a St. Louis plan
- Your hospital: confirm Barnes-Jewish Hospital, Mercy Hospital or SSM Health is in the plan's network — networks differ even between plans from the same company.
- Carriers: companies that have sold marketplace plans in St. Louis include Anthem Blue Cross Blue Shield, Cigna, UnitedHealthcare and Ambetter; the 2027 lineup is confirmed when plans post on November 1.
- Total yearly cost: add 12 months of premium to the deductible and copays you expect — use our printable comparison worksheet.
Free help enrolling in St. Louis
A licensed TrustedQuotes agent can compare every St. Louis plan, check your doctors and prescriptions, and estimate your 2027 credit at no cost to you — call (954) 805-7882. If you prefer, free in-person help near you is listed at HealthCare.gov's Find Local Help.
More for Missouri: Missouri Open Enrollment 2027 Missouri marketplace plans 2027 Open Enrollment guide Health insurance in Kansas City Health insurance in Springfield
St. Louis Health Insurance FAQ
When is open enrollment in St. Louis for 2027?
Where do St. Louis residents sign up for 2027 health insurance?
Can I still get a subsidy in St. Louis in 2027?
How much does health insurance cost in St. Louis?
What hospitals are in network in St. Louis?
Who are the top insurance carriers in St. Louis?
Can I get coverage in St. Louis year-round?
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