Haris Ashley
Missouri offers a range of health insurance options, including individual and family plans, with premiums varying based on factors such as income level and plan type. The state uses the federally facilitated health insurance marketplace, HealthCare.gov, where residents can explore plans from multiple insurance providers. Missouri's health insurance landscape is regulated by the Missouri Department of Insurance, which actively reviews and assesses proposed rate changes by insurers. The state has also expanded Medicaid eligibility, providing more accessible coverage options for its residents. With a variety of choices, Missouri residents can find plans that fit their unique needs and budgets.
| Characteristics | Values |
|---|---|
| Best cheap health insurance in Missouri | Ambetter ($417 per month before discounts) |
| Cheapest health insurance with good customer satisfaction | Anthem BCBS |
| Best health insurance for most people in Missouri | Anthem BCBS |
| Highest-rated health insurance in Missouri | Medica (4-star rated plans in the St. Louis area) |
| Average cost of Bronze plans | $488 per month |
| Cost before coverage starts with a catastrophic plan | $9,200 |
| Average cost of catastrophic plans | Lowest of any plan tier |
| Missouri health insurance rate data for | 2025 |
| Year of rate change review by Missouri Department of Insurance | 2017 |
| Number of people who signed up for private health plans through Missouri's exchange/Marketplace during the open enrollment period for 2024 coverage | 359,369 |
| Year when Missouri expanded Medicaid eligibility | 2021 |
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What You'll Learn
Bronze plans cost $488/month on average
Bronze health insurance plans in Missouri have low monthly payments but a higher deductible. This means that you will pay less per month, but a larger amount annually before your plan starts to pay for covered services. These plans are best for individuals or couples who rarely visit the doctor and only need coverage for medical emergencies.
The average cost of a Bronze plan in Missouri is $488 per month. This is a good option if you have enough savings to cover your health insurance deductible. However, it's important to note that you may have to pay thousands of dollars before coverage starts if you get seriously injured or sick.
Compared to other plans, Bronze plans are more affordable upfront, but you should be prepared to pay more out-of-pocket expenses if you require extensive medical care. It's crucial to consider your own health needs and financial situation when choosing a health insurance plan.
In Missouri, you have a variety of options for health insurance providers, including Anthem BCBS, Medica, and UnitedHealthcare (UHC). Each company offers different plans with varying rates and levels of coverage. When choosing a plan, it's important to consider not only the monthly cost but also the deductible, copays, and coinsurance associated with the plan.
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$199.95 $245.95
Ambetter offers the cheapest plans at $417/month
When it comes to health insurance in Missouri, there are a variety of options available to individuals and families. While the cost of medical insurance varies depending on the provider and the specific plan chosen, Ambetter stands out for offering the cheapest plans in the state. Ambetter's health plans start at an affordable $417 per month before any applicable discounts are applied.
Ambetter's low-cost plans are particularly attractive for those on a tight budget or with limited financial resources. With their competitive rates, Ambetter ensures that individuals and families in Missouri can access essential healthcare services without breaking the bank. This is especially beneficial for those who may not qualify for other forms of health coverage, such as Medicaid or employer-provided plans.
It is worth noting that Ambetter's plans may vary in terms of the specific benefits and coverage they offer. While they provide essential health insurance coverage, it is always important to review the details of any insurance plan before making a decision. Understanding the inclusions and exclusions, as well as any potential limitations, is crucial to ensuring that your healthcare needs are adequately met.
When considering health insurance options in Missouri, it is advisable to explore various providers and plans to find the best fit for your needs and budget. While Ambetter offers the lowest monthly rate, other providers like Anthem BCBS, UnitedHealthcare, and Medica are also worth considering. These companies have their own unique strengths, such as high customer satisfaction ratings or access to a large network of doctors, which can enhance your overall experience.
In conclusion, Ambetter's health plans starting at $417 per month offer a cost-effective solution for individuals and families seeking medical insurance in Missouri. However, it is important to remember that the cheapest option may not always be the best fit for your specific circumstances. By carefully reviewing the available plans and considering your personal requirements, you can make an informed decision to choose the right health insurance provider for you and your family.
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$13.09 $19.95
Anthem BCBS has the best combination of price and customer satisfaction
When it comes to health insurance in Missouri, Anthem Blue Cross Blue Shield (BCBS) stands out for offering the best combination of affordable prices and solid customer satisfaction. In fact, Anthem BCBS has been rated as having the best health insurance for most people in Missouri.
One of the key advantages of choosing Anthem BCBS is its extensive network of doctors. Anthem customers have access to the largest network of doctors nationwide, providing greater choice and flexibility when selecting healthcare providers. This is particularly beneficial for those who travel frequently or wish to have a wider range of options when choosing a doctor in their area.
In terms of pricing, Anthem BCBS is known for offering competitive rates that are often lower than those of its competitors. Ambetter, for instance, provides the cheapest health plans in Missouri, with monthly costs of $417 before discounts, while Anthem BCBS offers plans that are not only affordable but also backed by positive customer reviews. Bronze plans, which are ideal for individuals or couples with minimal doctor visits and primarily seek coverage for emergencies, typically feature lower monthly payments and higher deductibles.
Anthem's commitment to customer satisfaction is evident in its range of comprehensive health insurance plans tailored to meet diverse needs. Their plans cover annual physicals, preventive care visits, doctor visits, hospital care, and mental health benefits. Additionally, they offer virtual care visits through the Sydney Health app, allowing members to consult board-certified doctors from the comfort of their homes. This digital feature is particularly valuable for those seeking convenient and accessible healthcare solutions.
Overall, Anthem BCBS excels in providing Missouri residents with a well-rounded health insurance experience. Their competitive pricing, coupled with positive customer feedback and a vast network of doctors, makes them a top choice for individuals and families seeking quality and affordable healthcare coverage.
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Silver plans are available at \$0 premium for those with incomes between 100-150% of FPL
In the state of Missouri, there are a variety of health insurance options available, including those offered by Anthem BCBS, Medica, and UnitedHealthcare. While the monthly cost of health insurance depends on the specific plan and the individual's circumstances, there are some affordable options for those with low incomes.
For those with incomes between 100% and 150% of the federal poverty level (FPL), Silver plans are available at $0 premium after tax credits. This means that individuals within this income bracket can access comprehensive health insurance coverage without paying a monthly premium. Silver plans typically offer a good balance between cost and coverage, and with $0 premium plans, those with limited financial resources can access essential healthcare services without the burden of monthly payments.
It is important to note that the $0 premium Silver plans may have higher cost-sharing requirements, such as deductibles and coinsurance. A deductible refers to the amount one must pay out-of-pocket before the insurance company starts covering the costs of healthcare services. Coinsurance, on the other hand, is the percentage of covered healthcare costs that the individual pays after meeting their deductible. While these $0 premium plans offer the advantage of no monthly payments, individuals should be aware that they may still incur out-of-pocket expenses when utilizing healthcare services.
In addition to Silver plans, those with incomes between 100-150% of FPL may also qualify for $0 premium Bronze plans after tax credits. Bronze plans typically have lower monthly premiums but higher deductibles, making them suitable for individuals who rarely need medical services beyond emergencies. While these plans offer limited coverage, they can be a good option for those who want the security of insurance without the high cost of comprehensive coverage.
It is worth noting that Missouri expanded its Medicaid eligibility guidelines in 2021, allowing adults under 65 with a household income up to 138% of the poverty level to enroll in Medicaid. This expansion provides another avenue for individuals with low incomes to access affordable healthcare services, as Medicaid offers comprehensive coverage with low out-of-pocket costs.
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Preventative care is covered at no cost
The cost of health insurance in Missouri depends on the plan you choose and your personal circumstances. For example, Ambetter offers the cheapest health plans in Missouri, costing around $417 per month before discounts. On the other hand, a Bronze plan, suitable for those who rarely visit the doctor and only need coverage for emergencies, costs on average $488 per month.
If you are a full-time state team member, you may be eligible for the Missouri Consolidated Health Care Plan (MCHCP). Under this plan, the cost of health insurance is shared between the team member and the State. The MCHCP also provides reduced premiums to members who participate in the Partnership Incentive and Tobacco-Free Incentive.
Virtual care visits through apps such as Sydney Health are also offered at no cost to members for most plans. This allows individuals to receive medical advice, common health issue diagnoses, and prescriptions from the comfort of their homes.
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Frequently asked questions
Anthem BCBS has the best health insurance for most people in Missouri. The company gets significantly fewer complaints than average and has a good 3-out-of-5-star rating from HealthCare.gov.
Ambetter has the cheapest health plans in Missouri, at $417 per month before discounts.
Anthem BCBS offers the best combination of cheap prices and good customer satisfaction.
Health insurance plans in Missouri typically include coverage for doctor visits, hospital care, and mental health benefits. Preventative care, including check-ups, screenings, and vaccines, is also often included at no additional cost.
