2021 Affordable Health Insurance Plans in Missouri

At the federally-facilitated marketplace, Missouri residents can enroll in health insurance plans. Healthcare.gov is the official exchange where you can view Affordable Care Act-compliant coverage options and premium rates. Until August 15th, 2021, a special enrollment period allows you to take advantage of American Rescue Plan premium subsidies.

Highlights and Updates

  •       Missouri residents can enroll at Healthcare.gov on the federally-run marketplace.
  •       Residents can take advantage of American Rescue Plan premium subsidies during the special enrollment period through August 15, 2021.
  •       The American Rescue Plan offers premium subsidies to eligible Missouri residents in St. Louis, Springfield, Kansas City, and other counties.
  •       Short-term health insurance in Missouri is available for up to 6 months.
  •       The average monthly benchmark premium for 2021 health insurance in Missouri is $479.
  •       Missouri has eight health insurance carriers on the federal exchange.
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How To Buy Health Insurance in Missouri 

Missouri residents without employer coverage can sign up for health insurance on the federal exchange. You’ll find health insurance policies in three different metal tiers: Bronze, Silver, and Gold.

Monthly premiums depend on the type of coverage you choose and your eligibility for a subsidy. Typically, Bronze-tier plans have the lowest premiums and highest deductibles. Gold-tier plans have the lowest deductibles, but the premiums are more expensive. Qualifying low-income residents can obtain coverage through Medicaid.

How To Apply for Health Insurance in Missouri

At Healthcare.gov, you can browse available coverage options after entering your data. You can arrange the list according to your preferred tier level or budget.

Health Insurance Carriers in Missouri

Missouri has eight health insurance companies offering coverage via the federal marketplace: Blue KC (BCBSKC), HALIC (Anthem), Cigna, Celtic (Ambetter), Cox, Oscar, Medica, and SSM (Well First Health).

What Are the Cheapest Health Insurance Companies in Missouri?

Missouri has eight health insurance providers to choose from on the federal exchange:

Some carriers are more affordable than others, depending on your preferred plan and county of residence. Overall, health insurance premiums in Missouri increased 4.7% for 2021.

How Has Obamacare Helped Missouri’s Uninsured?

From 2013 to 2016, Missouri’s uninsured rate dropped from 13% to 8.9%. In 2021, over 215,000 individuals have signed up for coverage. Residents with pre-existing conditions now benefit from more inclusive coverage than previous years when exclusion riders and higher rates applied. 

Missouri Health Insurance Costs Overview

Missouri’s health insurance metal tiers include Bronze, Silver, and Gold. In most cases, Bronze plans are most affordable but include limited services. Gold plans are more comprehensive but tend to have higher premiums.

How Much Does Health Insurance Cost in Missouri?

According to the KFF, the average benchmark premium in Missouri for 2021 is $479.

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What Is the Cheapest Health Insurance Plan in Missouri?

On average, the benchmark premium for  Bronze metal tier health insurance in 2021 is $347. The average premium for a Silver-tier plan is $467. Finally, the Gold-tier coverage costs an average of $530.

Cheapest Missouri Health Insurance Coverage by Metal Tier

The average coverage cost under each metal tier is calculated according to the rates listed on Healthcare.gov. These examples estimate rates for a male in good health at age 40.

Bronze Plans

WellFirst Health’s Bronze Value Copay is the most affordable Bronze plan with a monthly premium of $298. The deductible and out-of-pocket maximum are $8,500.

H3: Silver Plans

The Cigna Connect 5500 Silver plan is the lowest-cost Silver plan with monthly premiums of $413. The deductible is $5,500, and your out-of-pocket maximum would be $8,550.

Gold Plans

The WellFirst Gold Value Copay plan is the most affordable Gold-tier health insurance with monthly premiums of $448. The deductible and out-of-pocket maximum are both $3,700.

Missouri Health Insurance Costs by Occupation

If you’re self-employed, an early retiree, or don’t have insurance through your workplace, you can get coverage on the federal exchange website. Although Medicaid expansion should have taken effect this summer, lawmakers recently rejected state funding proposals. These unresolved issues could delay coverage for many residents.

Over 113,000 Missouri residents still face coverage gaps, and another 230,000 low-income individuals remain ineligible for Medicaid until the expansion is approved.

What Is the Average Cost of Health Insurance for a Student in Missouri?

Dependents under age 26 can stay on their parents’ coverage or apply for a low-cost student health insurance plan.

What Is the Average Cost of Health Insurance for the Self-Employed in Missouri?

Self-employed individuals in Missouri can apply for health coverage on or off the federal exchange with a tax return from 2020.

What Is the Average Cost of Health Insurance for Small Business Owners in Missouri?

Small businesses in Missouri with 50 full-time employees or less can enroll in group health insurance plans directly, unlike individuals and families that enroll through the federal exchange.

Missouri Health Insurance Costs by Number of Participants

Health insurance premiums in Missouri vary for individuals, families, and children.

What Is the Average Cost of Health Insurance for Families in Missouri?

A non-smoking couple earning $75,000 with two young children could qualify for a monthly premium subsidy of $489. The most affordable Bronze coverage would cost $596 monthly or $107 after subsidies. The deductible and out-of-pocket maximum would be $17,000.

What Is the Average Cost of Health Insurance for Individuals in Missouri?

Across all metal tiers, the benchmark premium for individual coverage in Missouri is $479. 

What Is the Average Cost of Health Insurance for a Child in Missouri?

Missouri offers affordable coverage to low-income families and children through the federal Children’s Health Insurance Program (CHIP), or MO HealthNet.

Other Types of Missouri Health Insurance Coverage

Other options for health insurance in Missouri include catastrophic, short-term, and Medicare coverage.

Catastrophic Health Insurance in Missouri

Missouri residents who are under 30 or eligible for a hardship exemption may be eligible for catastrophic health insurance through the federal marketplace.

Catastrophic health insurance plans typically have very high deductibles and limited services. This type of protection can save you from worst-case scenarios. A premium tax credit can usually help you get a more comprehensive and affordable plan that fits your budget.

Short-Term or Temporary Health Insurance in Missouri

Missouri doesn’t follow short-term health insurance guidelines according to federal regulations. Instead, individuals are limited to six months of coverage with renewals up to 36 months. 

Nine insurers offer short-term coverage in Missouri, including United Security Health and Casualty, UnitedHealthcare (Golden Rule), National General (National Health Insurance Company), Independence American Insurance Company, Everest Reinsurance, Cox Health Systems, Companion Life, and Blue KC (Blue Cross Blue Shield of Kansas City).

Low-Income Health Insurance in Missouri

Medicaid is available from MO HealthNet to eligible low-income residents in Missouri. These plans are available for women, children, families, seniors, individuals with a disability, and others who meet the eligibility requirements.

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