Summit Silver
Starting at
$591
/month before subsidy
Summit Silver is a 2027 Silver EPO health insurance plan from Ambetter Health, sold on the ACA Marketplace in Missouri under plan ID 99723MO0090021. The monthly premium starts at $591 before subsidies, based on a 40-year-old in the plan's lowest-cost rating area. The individual medical deductible is $4,100 ($8,200 for a family), and the individual out-of-pocket maximum is $9,800 ($19,600 for a family). After the deductible, coinsurance is 30% for covered in-network care. The plan is not HSA-eligible.
- Plan ID
- 99723MO0090021
- Plan year
- 2027
- State
- Missouri
- Metal level
- Silver
- Plan type
- EPO
- HSA-eligible
- No
Individual Deductible
$4,100
Family: $8,200
Out-of-Pocket Max
$9,800
Family: $19,600
Coinsurance
30%
You pay after deductible
Network Type
EPO
MON001
Medical Services
Prescription Drugs
- Medical care
- Member experience
- Plan administration
How well doctors manage and coordinate care
Member-survey satisfaction with the plan
Customer service, billing, and access to information
Having a baby
Normal delivery
$6,000
your estimated cost
- Deductible
- $4,100
- Copays
- $40
- Coinsurance
- $1,800
Managing type 2 diabetes
A year of routine care
$4,420
your estimated cost
- Deductible
- $4,000
- Copays
- $400
- Coinsurance
- $0
A simple fracture
ER visit + follow-up
$2,400
your estimated cost
- Deductible
- $2,100
- Copays
- $300
- Coinsurance
- $0
Enter your ZIP code first to search nearby doctors.
This Silver EPO plan offers a balanced approach between monthly premiums and out-of-pocket costs, making it a popular choice for many families.
Consider this plan if you:
- Visit the doctor a few times per year
- Take regular prescription medications
- Want moderate protection against high medical bills
- May qualify for Cost-Sharing Reductions (CSR) to lower deductibles
This summary is generated based on plan attributes for educational purposes only.
If you max out this year
$1,408/month
Annual Premium
$7,092
OOP Maximum
$9,800
💡 What this means:
With a $4,100 deductible, you pay 100% of costs until you've spent that much. After that, you pay 30% (coinsurance) until you hit $9,800 total. Then insurance covers everything else for the year.
More plans from Ambetter Health in Missouri
- Elite Bronzefrom $488/mo
- Elite Bronze + Vision + Adult Dentalfrom $501/mo
- Everyday Bronzefrom $454/mo
- Everyday Bronze + Vision + Adult Dentalfrom $467/mo
- Signature Expanded Bronzefrom $447/mo
- Signature Expanded Bronze + Vision + Adult Dentalfrom $460/mo
- Complete Silverfrom $601/mo
- Complete Silver + Vision + Adult Dentalfrom $618/mo
Frequently asked questions about Summit Silver
How much does Summit Silver cost per month?
Summit Silver from Ambetter Health starts at $591 per month before any subsidy in Missouri. Most Marketplace enrollees qualify for a premium tax credit that lowers what they actually pay — estimate your subsidy to see your net premium.
What is the deductible for Summit Silver?
The individual medical deductible is $4,100, and the family deductible is $8,200. You pay for covered care out of pocket until you meet the deductible, after which the plan shares costs with you.
What is the out-of-pocket maximum for Summit Silver?
The most you would pay in a year for covered in-network care is $9,800 for an individual and $19,600 for a family. Once you reach it, the plan pays 100% of covered services for the rest of the year.
Is Summit Silver HSA-eligible?
No. Summit Silver is not classified as an HSA-eligible high-deductible health plan, so it cannot be paired with a Health Savings Account.
What type of network does Summit Silver use?
Summit Silver is a EPO plan. EPO plans cover in-network care only (except emergencies) and usually do not require referrals to see specialists.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Important Notice
Plan details and costs shown are estimates for educational purposes only. Actual costs, coverage, and availability may vary. Always verify plan details and enroll through official channels at HealthCare.gov or your state marketplace.