Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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Missouri Affordable Health Insurance Exchange
More than ten
commercial
insurance companies
offer individual
major medical
insurance in
Missouri and 50
small group health
insurance plans as
well as the
state-sponsored
Missouri High Risk Health
Plan is
available to residents
who have been
declined for
commercial health
insurance due to a
pre-existing
condition. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Missouri insurance & benefit news
Missouri had the
16th lowest health
insurance costs of
all states in 2008
with an average
family premium of
$11,557 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 36th out of
the 51 states
(including DC).
Missouri is the only state that requires all employers to
maintain a
tax-qualified
employee benefit
called a Section 125
premium-only plan.
Short Term Insurance
Intermediate Term
Supplemental Insurance
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Missouri Insurance Law
The
Missouri Department
of Insurance Web site contains
a link to the full
text of all of the
state's insurance
laws as well as an
online form that
allows consumers to
submit insurance
questions.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (573) 751-4126 or by mail at PO Box 690,
Jefferson City MO 65102. The state children's health insurance plan (CHIP) Web
site is
Missouri HealthNet for Kids (MHK).
Non-insurance Discount Plans
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Consumer Insurance Issues
7/18/2010 A new high risk health insurance
plan run by RightChoice, a subsidiary of Anthem Blue Cross and Blue Shield is
now available. Premiums are paid in part by a federal grant of $81 million that
reduces the premium cost. Premiums are the same as other similar commercial
insurance at $423 to $972 per month, depending on age. The annual deductible
set at $1,000 and out-of-pocket expenditures limited to $5,950. The
state’s previous high-risk pool called Missouri Health Insurance Pool (MHIP) has
operated since 1991 and has more than 4,000 enrollees, charges higher rates.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Missouri is now available at Freedom Benefits.
5/11/2010 Missouri voters will decide the
fate of the health insurance mandate in the upcoming August 2 general election. Legal experts predict that
the federal law requiring insurance will eventually prevail, regardless of
strong public opposition, but we could face years of legal wrangling and
consumer confusion ahead.
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