Health insurance in Clay County, Missouri
5 insurers sell 55 marketplace plans here, and 8.0% of under-65 residents have no coverage at all.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release.
Who sells here, and how much choice that gives
5 insurers compete in Clay County with 55 plans between them, about 11 plans each. It gained 1 since the previous plan year, up from 4.
How many people here have no coverage
8.0% of Clay County's 221,547 under-65 residents have no health coverage — 17,716 people. That is close to the Missouri rate of 9.2%, and puts Clay County in the bottom quarter of the 1,817 counties on this site (1407th).
How much the marketplace is used
13,063 Clay County residents selected a marketplace plan for 2026: 59 per thousand under-65 residents, 1436th of 1,817. That is under the 78 per thousand typical of published counties. 1,888 of them — 14% — were new rather than renewing.
Clay County against Missouri
Clay County is the 5th largest of the 12 Missouri counties we publish. Its uninsured rate runs 1.2 points lower than Missouri overall and its 5 insurers sit between the state's 2 and 6. Marketplace use is close to the Missouri rate.
| Clay County | Missouri | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 8.0% | 9.2% | 9.9% |
| Insurers selling | 5 | 2–6 | 4 |
| Plans offered | 55 | — | 57 |
| Selections per 1,000 | 59 | 74 | 78 |
| New rather than renewing | 14% | 13% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| St. Louis city | 220,460 | 10.4% | 6 | 68 |
| Greene County | 247,489 | 9.9% | 4 | 48 |
| Jefferson County | 191,304 | 7.7% | 4 | 48 |
| Boone County | 155,950 | 7.6% | 4 | 48 |
St. Louis city has 6 insurers against this county's 5 — a reminder that the county line, not the state line, is what decides your options.
All Missouri counties · How the credit works · Enrollment dates