Health insurance options in St. Louis
Residents of St. Louis and St. Louis County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from Anthem, Blue KC, Ambetter, Oscar, and Cigna priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in St. Louis have only been shown the first.
What it costs in St. Louis
A healthy 40-year-old in St. Louis pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your St. Louis doctors
Marketplace plans in Missouri are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in St. Louis County and work in every state — we check your specific doctors before you enroll.
The Missouri factor
Missouri's two big metros sit on opposite sides of the state and each has its own hospital systems, so a statewide PPO network matters to people who travel between them. Missouri has no state individual mandate.