Health insurance in St. Charles County, Missouri
6 insurers sell 68 marketplace plans here, and 5.3% 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
6 insurers compete in St. Charles County with 68 plans between them, about 11 plans each. It gained 1 since the previous plan year, up from 5.
Comparatively few people go uncovered
5.3% of St. Charles County's 348,262 under-65 residents have no health coverage — 18,371 people. That is below the Missouri rate of 9.2%, and puts St. Charles County in the bottom 10% of the 1,817 counties on this site (1777th).
How much the marketplace is used
17,815 St. Charles County residents selected a marketplace plan for 2026: 51 per thousand under-65 residents, 1555th of 1,817. That is under the 78 per thousand typical of published counties. 2,592 of them — 15% — were new rather than renewing.
St. Charles County against Missouri
St. Charles County is the 3rd largest of the 12 Missouri counties we publish. Its uninsured rate runs 3.9 points lower than Missouri overall and with 6 insurers it is as well served as anywhere in Missouri. Marketplace use is well under the Missouri rate.
| St. Charles County | Missouri | Published median | |
|---|---|---|---|
| Uninsured, under 65 | 5.3% | 9.2% | 9.9% |
| Insurers selling | 6 | 2–6 | 4 |
| Plans offered | 68 | — | 57 |
| Selections per 1,000 | 51 | 74 | 78 |
| New rather than renewing | 15% | 13% | 15% |
Counties of a similar size nearby
| County | Under 65 | Uninsured | Insurers | Plans |
|---|---|---|---|---|
| Greene County | 247,489 | 9.9% | 4 | 48 |
| Clay County | 221,547 | 8.0% | 5 | 55 |
| St. Louis city | 220,460 | 10.4% | 6 | 68 |
| Jefferson County | 191,304 | 7.7% | 4 | 48 |
| Jackson County | 596,930 | 10.2% | 5 | 58 |
All of them have fewer insurers than this county's 6, which makes it the stronger market locally.
68 plans is a lot to work through. Start with network type, then the metal tiers. Other Missouri counties.