Hyers & Associates

We offer affordable individual and family health insurance quotes in Missouri from several carriers.  Our most popular providers are Aetna, Anthem, Assurant, and United Health Care – Golden Rule.  We are an independent agency serving all of Missouri including St. Louis, Kansas City, Columbia, Jefferson City, and Springfield.

Need Help Finding Coverage?

There are several reasons you might need health insurance coverage. You could be self-employed, a small business owner, losing COBRA benefits, changing jobs or a college student. We offer traditional/permanent policies, short term insurance, maternity plans and student coverage.  With our guidance, purchasing health insurance online is fast and easy.

Typically, you can select from deductible amounts ranging from $250 to $10,000.  Most carriers will offer coinsurance options ranging from 20% to 100%. (The insured is usually responsible for the coinsurance percentage up to $10,000.) Lifetime maximum benefits will range from 3 million to 8 million per individual.  Additionally, all plans will have a large network of doctors and hospitals in your area from which to choose.   

Health Saving Accounts

Recently legislation was passed approving tax-favored savings accounts that can be coupled with a high deductible policy. These plans are referred to as Health Savings Accounts or HSA’s. They are gaining in popularity due to their tax advantages and flexibility. Money deposited in a HSA grows tax-deferred and can be withdrawn tax-free for qualified medical expenses.  Unused funds remain in the account year after year for future medical expenses. All of our carriers offer competitive HSA plans.