Paige Cerulli Last Updated On: September 7, 2023

Find Affordable Health Insurance in Missouri

Finding the right health insurance plan is key to ensuring you’ll be able to get the care that you need. But when you start talking about plan tiers, deductibles, premiums, and plan types, things get confusing.

That’s why we’ve outlined the essentials to know about health insurance in Missouri to help you find the plan that’s right for you and your budget, too.

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Table of Contents

The Average Cost of Health Insurance in Missouri

Health insurance in Missouri is available in Bronze, Silver, Gold, and Platinum tiers. The cost of the plan partially depends on the tier level that you choose. Bronze plans have some of the most affordable premiums, but have more expensive deductibles than other plan types. Gold plans have more expensive premiums than Bronze plans, but their deductibles are lower.

 Average Premium for Health Insurance in Missouri
Most Affordable Bronze Plan$385
Most Affordable Silver Plan$472
Most Affordable Gold Plan$562

You may be able to save money by choosing a health insurance plan offered by your employer. The average cost of an employer-sponsored plan in Missouri is $1,721 per year.

Other factors, including your age, health status, location, and number of dependents will also impact your rates. Since rates can vary so widely, getting a personalized quote will give you the most accurate information on what your health insurance may cost. You can get a free health insurance quote from ConsumerCoverage and start exploring available policies.

Types of Missouri Health Insurance Plans

The type of plan that you choose will also impact its cost. We’ve included details on a few of the most common types of health insurance in Missouri that you will see:
  • Health Maintenance Organization (HMO) plans cover care that you receive from in-network providers and require you to have a primary care physician. HMO plans tend to have more affordable premiums and deductibles.
  • Preferred Provider Organization (PPO) plans provide more flexibility than HMO plans, allowing you to receive out-of-network care. You also aren’t required to have a primary care physician, but premiums and deductibles are more expensive than HMOs.
  • Exclusive Provider Organization (EPO) plans cover the care you receive from in-network providers only, but you aren’t required to have a primary care physician. These plans have lower premiums and deductibles.

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Cheap Health Insurance Plans in Missouri

Missouri offers several health insurance plans specifically for low-income residents.

Missouri Medicaid

MO HealthNet, Missouri’s Medicaid and Medicare program, is available to low- or very-low-income individuals and households. Individuals must make $18,075 per year or less to qualify, while a family of four must have a household income below $36,908 per year.

MO Medicaid Waivers

In addition to MO HealthNet, MO Medicaid Waivers can help qualified people access care that Medicaid doesn’t traditionally cover, like adult day care, independent living, and brain injury care. The waivers help to ensure that seniors and people with disabilities can access the services they need, so they don’t have to seek institutional care.

Missouri Medicare

Several Medicare coverage options are available and can help to cover primary care, preventive care, medication costs, and more. To qualify, individuals must be at least 65 years old or have a disability.

How to Get Health Insurance in Missouri

If you want to save money on health insurance in Missouri, start by shopping around and comparing quotes. Consider the type of coverage that you need, as well as what monthly premium you can comfortably afford. Don’t forget to look at other factors, like deductibles, to make sure that the plan will work for you. Get a free, personalized quote from ConsumerCoverage to start reviewing plans and their prices today.

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