Affordable Health Insurance in Missouri

Discover the best Missouri health plans to keep your family protected.

Best Missouri Health Insurance Plans

In Missouri State, health insurance is provided via federally facilitated marketplace. Citizens in the state can enroll through HealthCare.gov if they seek to subscribe an insurance plan through the exchange.

Last date to enroll for 2019 coverage ends on December 15, but people with qualifying events can still signup for the coverage. Currently, four individual market insurers are offering plans on- and off-exchange for 2019 in the state. Missouri’s enrollment is through the federally facilitated exchange at HealthCare.gov.

Top Health Insurance plan in Missouri

  • WellFirst Health

    WellFirst Catastrophic Safety Net

    premium $196.37/mo

    Deductible $8150/yr

    Coinsurance3%
    Insurance Type EPO
    HSA Eligible No
  • WellFirst Health

    WellFirst Bronze HSA-E 6700X

    premium $252.14/mo

    Deductible $6700/yr

    Coinsurance3%
    Insurance Type EPO
    HSA Eligible Yes
  • WellFirst Health

    WellFirst Bronze Value Copay 8100X

    premium $255.51/mo

    Deductible $8100/yr

    Coinsurance3%
    Insurance Type EPO
    HSA Eligible No
  • WellFirst Health

    WellFirst Bronze Copay Plus 8100X

    premium $257.4/mo

    Deductible $8100/yr

    Coinsurance3%
    Insurance Type EPO
    HSA Eligible No
  • Cigna Healthcare

    Cigna Connect 7000

    premium $287.35/mo

    Deductible $7000/yr

    Coinsurance5.5%
    Insurance Type EPO
    HSA Eligible No

Health Insurance in Missouri: Key Facts

Missouri short term health insurance plans are available with up to six months. With four insurers offering individual market plans for 2019, 1.6 percent is the average individual-market rate increase for 2019. Approx. 2, 43,000 citizens in the state opted for insurance via the Missouri exchange in 2018. Less than 20 percent of Missourians are enrolled in Medicare.

Missouri Individual and Family health insurance plans:

For individuals and self-employed and people without insurance, insurance careers offer a huge bouquet of individual and family insurance plans in the state. These plans are affordable and designed as per individual’s health needs.

Short Term Health Insurance

These are flexible health insurance plans that fill the gap in your existing insurance plan. Short term health insurance plans are underwritten by Golden Rule Insurance Company and offers you coverage when you need it the most. If you need financial coverage for short period while your life is under transition, short term health insurance plans are the best option.

Citizens under the age 65 can sign up for short term health insurance plan if they missed enrollment for Affordable Care Act (ACA), also called Obamacare. If a person is waiting for his ACA coverage to start or needs additional coverage to bridge Medicare benefits, he can sign up for short term health insurance.

Short term health insurance comes with several benefits. A person gets covered as soon he fills his application. Beneficiary is entitled to choose his deductible amount from several options and furthermore, can choose length of coverage from one month to 12 months.

A beneficiary can apply for another short term health insurance plan if the first plan ends.

Dental Insurance Plans

Missouri dental insurance plans offer complete coverage for your common dental care issues. These plans are designed to cover expenses for preventive, basic and major dental services. These dental insurance plans are underwritten by Golden Rule Insurance Company and best fir for your all your dental health needs.

These plans are flexible and convenient and allow insurance seekers to choose from the best insurance plans for your dental needs. The coverage is available for preventive care like routine cleanings and fluoride treatments without any deductible or waiting period.

These plans also provide enough coverage for basic services like fillings or emergency treatment for dental pain. Major services like retainers and root canals are also available with respective deductible and waiting periods.

Vision Insurance

Vision insurance in the state is underwritten by Golden Rule Insurance Company. The vision insurance plans in the state can be bought as a standalone plan or as a rider to your dental plan.

Vision Insurance as a Standalone Plan is available to the citizens with many incredible benefits that include expenses for glasses and contact lenses, a national network of providers and no waiting periods. The plan offers coverage benefits for people of all ages and at any stage of life.

Vision insurance can also be availed as a rider to your dental insurance plan. The plans provide a wide range of benefits including routine eye exams, prescription glasses or contact lenses and discounts etc. all of these plans are affordable and backed by diverse provider network in the state.

FAQ on Missouri Health Insurance Plans

The Affordable Care Act requires everyone to have health insurance so that you are financially protected if a sudden medical emergency occurs. Health plans become necessary today, especially with the rising healthcare costs, as you will find difficulty in paying the huge medical cost at the time of illness or injury if you don’t have any health insurance. Therefore, the Affordable Care Act requires you to have minimum essential coverage. However, there is no penalty imposed on the residents of Missouri, if they do not have health insurance, as this state has not passed their own health insurance requirements. Still, residents of the state have to report their coverage status on their federal tax return but don’t pay penalty if they are not covered. 

Open enrollment for 2021 health plans in Missouri is November 1, 2020, to December 15, 2020. Outside the open enrollment period, only residents with qualifying events can enroll or make changes to their coverage. If you miss the open enrollment period, and you don’t experience qualifying events, then you will have to wait for complete one year till the next year open enrollment window to apply for a plan. 

Yes, short-term health plans are available in Missouri, but as the state does not follow the new federal regulations on short-term health plans, so as per the state regulations, short-term plans are not available for more than six months’ period.

There was a slight decrease in the health insurance cost in the 2020 plan year and some further deduction is expected this year also. Some of the best and cheapest health plans in Missouri were either the Anthem Silver Pathway X 6000, Ambetter Balanced Care 11, or Cigna Connect 5500. The cheapest plan will vary depending on the area where you live, the availability of the plan, and the cost of monthly premiums. 

After searching and comparing different health plans available in Missouri, the following best and cheapest health insurance plan by metal-tier in Missouri were identified:

  • The cheapest Catastrophic health plan for a forty-year-old is the WellFirst Catastrophic Safety Net plan having a monthly premium of $239. 
  • The cheapest Bronze health plan for a forty-year-old is the WellFirst Bronze Value Copay 8100X plan having a monthly premium of $312.
  • The cheapest Expanded Bronze health plan for a forty-year-old is WellFirst Bronze HSA-E 6700X having a monthly premium of $307.
  • The cheapest Silver health plan for a forty-year-old is the Ambetter Balanced Care 11 plan having a monthly premium of $405.
  • The cheapest Gold health plan for a forty-year-old is WellFirst Gold Value Copay 3700X plan having a monthly premium of $443.
  • Currently, there are seven health insurance companies offering health plans in Missouri:

  • Healthy Alliance Life Co (Anthem BCBS)
  • Celtic Insurance Company
  • Cox Health Systems Insurance Company
  • Cigna Health and Life Insurance Company
  • Medica Insurance Company
  • Oscar Insurance Company
  • SSM Health Insurance Company
  • Find a Right Affordable Plan For You

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