Affordable Missouri Health Insurance

Affordable Missouri health insurance is available from companies like Cigna Healthcare and Oscar Insurance Company. Missouri health insurance rates are as low as $325/mo. Policyholders may choose from one of four Missouri health insurance policies: catastrophic, bronze, silver, and gold. You can have a plan tailored to your needs.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 26, 2021

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Overview

  • Missouri health insurance plans are offered in a four-tier system
  • Companies that offer affordable Missouri health insurance include Cigna Healthcare and Oscar Insurance Company
  • Missouri health insurance rates are between $325 and $689 per month

Regardless of where you live, finding affordable health insurance is often a challenge. With so many options to choose from, you could be sifting through health insurance companies and policies for hours on end.

Starting in 2010, the Affordable Care Act required all United States citizens to have health insurance. Since then, many states have implemented health insurance laws, but Missouri is not one of them.

If you are a Missouri resident searching for affordable health insurance, we have the answers you need. Keep reading to learn more about affordable Missouri health insurance, from companies to rates and more.

Ready to find affordable Missouri health insurance? Enter your ZIP code into our free tool above to compare affordable Missouri health insurance quotes from companies near you.

Which companies offer affordable Missouri health insurance?

When it comes to health insurance companies, Missouri has more than enough. However, if you’re looking for long-term care insurance, you will have to find a separate policy from your main health insurance policy.

Because health insurance is a requirement, finding a plan is of the essence. With so many health insurance companies and policies to choose from, it is often a challenge to find the right health insurance policy for your needs.

When looking for a health insurance policy, the best place to start is understanding what you need to be covered. Similarly, it is beneficial to know how Missouri offers health insurance.

Like other forms of insurance, health insurance in Missouri is offered in tiers. From basic coverage to the most coverage, each tier comes with its benefits.

The four tiers of Missouri health insurance are:

  • Catastrophic
  • Bronze
  • Silver
  • Gold

Higher metal tier plans, i.e., gold, will be more expensive than lower metal and catastrophic tier plans. However, they will also be more comprehensive.

Whichever one of the Missouri health insurance plans you choose is entirely up to you and your needs. However, if you expect to need medical care or have recurring medical costs like prescriptions, then a higher-tier plan would be worth the increased rate.

That being said, if you are young and don’t anticipate high medical costs, a lower-tier plan should suffice.

A list of health insurance companies in Missouri includes:

  • Blue Cross and Blue Shield of Kansas City
  • Anthem Blue Cross and Blue Shield
  • Ambetter from Home State Health
  • Medica
  • WellFirst Health
  • Cigna Healthcare
  • Cox HealthPlans
  • Oscar Insurance Company

Some counties in Missouri require residents to buy health insurance from one company, while some of the larger counties are more diverse.

Before you decide on a health insurance plan, talk with a health insurance agent about what options are available to you. Agents are a wealth of insurance information, and they will help you make the best decision.

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What are Missouri health insurance rates?

As explained above, when you invest in a more comprehensive health insurance plan, you should expect to pay much more in monthly premiums than with a less comprehensive plan.

Affordable Missouri health insurance rates span from around $325 per month at the least to $689 per month at the most. However, these rates may vary, as each insurance company offers different coverage.

Missouri also offers short-term health insurance plans, in which Missouri residents can buy a health insurance plan for a limited time. Other states provide short-term plans for up to a year. However, Missouri offers even shorter-term plans of up to six months.

Short-term health insurance plans can be beneficial to those who need health insurance for only a short period. However, it’s essential to know that although these plans have the perk of short-term coverage, they will not cover everything an ACA plan does.

Again, talk with an insurance agent to determine which affordable Missouri health insurance plan is the best fit for you. With so many options to choose from, a conversation with an agent will be invaluable to you while you search for a health insurance plan.

Enter your ZIP code into our free tool above to compare affordable Missouri health insurance quotes from companies near you.

How do I find affordable Missouri health insurance?

Often, employers provide health insurance, among other benefits. This is a great option when it’s available because you get health insurance coverage at a relatively low cost.

However, this option is not available to everyone. If you’re among the group that needs to find health insurance that is not included as an employee benefit, you have many options.

There are many ways to find affordable Missouri health insurance companies and policies, but the best is comparison shopping.

We recommend comparing at least three different Missouri health insurance companies and their policies from the list above, or others you may find. Doing this helps you narrow down your options to only the best for your needs.

Affordable Missouri Health Insurance: The Bottom Line

As a Missouri resident, you’re required to have a health insurance policy. Therefore, finding affordable Missouri health insurance is a must.

Fortunately, there are many affordable Missouri health insurance companies and policies to choose from, so finding a plan that is right for you should be easy.

However, before you decide on a health insurance company or policy, you should first understand your needs and how Missouri health insurance works.

Missouri’s four-tier health insurance plans are designed to give you the liberty to choose a plan that’s perfect for your needs. So whether you need a more comprehensive plan or minimal coverage, one of Missouri’s four plans should be a good fit.

Before you decide on a policy, consider discussing the health insurance plans available to you with an insurance agent. An agent can be an invaluable resource in determining which plan is right for you.

Ready to buy affordable Missouri health insurance? Enter your ZIP code into our free online tool for the best affordable Missouri health insurance companies in your area.

References:
  1. https://www.healthinsurance.org/short-term-health-insurance/missouri/

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