Compare Missouri Health Insurance Quotes & Plans

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Compare Missouri Health Insurance Quotes & Plans

We offer individual, family and small business health insurance in Missouri direct to you. Our providers include: Aetna, Anthem Blue Cross Blue Shield, Coventry One, Humana and United Healthcare.

We are an independent agency providing quotes and enrollment across the entire state. We offer health insurance coverage both on and off the federal exchange in order to assist those who may qualify for tax credits.

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United Healthcare Insurance – Golden Rule

United Health One

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  • Very Affordable Monthly Rates
  • Short Term Plans (1-12 months)
  • Health Savings Accounts
  • Dental and Vision Coverage
  • Large Nationwide Network

Anthem Blue Cross & Blue Shield In Missouri

Anthem Blue Cross Blue Shield

View Anthem BCBS Quotes →

  • Short Term Insurance
  • All Plans Cover Maternity
  • Health Savings Accounts
  • Dental and Life Insurance
  • Doctor’s Office Copays

Coventry & Aetna Health Insurance Quotes

Aetna

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  • Low Rates In MO
  • Health Savings Accounts
  • Nationwide Networks
  • Add-On Dental Coverage
  • Value and Comprehensive Plans

Humana Health Insurance Plans

Humana

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  • Large Nationwide Network
  • Health Savings Accounts
  • Individual & Family Plans
  • Stand Alone Dental Coverage
  • Stand Alone Vision Insurance

Missouri Health Insurance Quotes On & Off The Exchange

There are several reasons you might need to buy your own health insurance – not least of which is to remain compliant with the Affordable Care Act – Obamacare. You could be self-employed, a small business owner, involuntarily losing group health insurance, changing jobs or a college student. No matter the reason, we can help you find the medical coverage that best suits your needs and budget.

We offer traditional permanent policies so you can avoid the ACA penalties – and we also offer short term plans if you need to bridge a gap until the next open enrollment window begins on November 15th. We can help you shop both on and off the exchange for health plans with and without tax credits depending on your income. Most importantly, we can help you understand the new rules and regulations.

Should I Purchase Permanent Or Short Term Health Coverage?

If you are unsure how long you might need coverage, then it is wise to purchase permanent, ACA compliant health insurance in Missouri. A permanent health policy can be paid month to month and cancelled at any time. There is never a long term contract or a fee or penalty to cancel the policy early. Short term plans are not compliant with the new health laws, however, and can fill in gaps until group coverage starts or open enrollment begins. In other words, short term health insurance plans do not avoid the Obamacare tax penalties.

Monthly premiums and coverage options can vary significantly between carriers. While all plans fall into the metal tiers (Bronze, Silver, Gold & Platinum) their monthly rates and prescription coverage can vary. And of course, network options will be different as well.

We can discuss the various differences between plans as we walk you through your options. You do not increase your costs whatsoever by using our agency. Prices are controlled by law and your health insurance premiums will be the same no matter your source. You can use our free links posted above to quote Aetna, Anthem Blue Cross and Blue Shield, Assurant Health, Coventry One, Humana and United Healthcare.

Missouri Group Insurance Coverage – Large Group Mandate

We provide small business and large group health insurance quotes from several carriers. We will use your company census and/or universal applications to request accurate rates from several well known providers. Large groups of 50 or more full-time employees (30 hours or more) will be required to provide insurance as of 2016 due to the Obamacare mandate.

We can also quote ancillary benefits such as dental, vision, life, disability, Medicare, and long term care insurance coverage for small and large business groups alike. Our offerings can be self-paid, voluntary plans or those that are employer sponsored. Some carriers will have certain participation requirements for group insurance plans. You canrequest a group quote here.

Maternity Health Insurance And Pregnancy Coverage

If you are in need of maternity insurance, we can help. By law, all plans must cover maternity related benefits. However, you will need a qualifying life event (like involuntarily losing coverage) in order to purchase a plan outside of open enrollment.

Your maternity benefits will depend on your deductible and coinsurance, but will not be subject to their own additional deductible. There are no longer waiting periods for coverage to begin. You will need to purchase coverage during open enrollment unless you’re experiencing a life event. The birth of a child does qualify as a life event however, but that would not cover the delivery costs.

Health Savings Accounts In Missouri – HSA Insurance Plans

Health insurance plans offering tax-favored savings accounts that are coupled with a high deductible policy are popular due to their lower premiums. These plans are referred to as Health Savings Accounts or HSA’s. They provide tax advantages and are generally more popular with those who do not need significant, regular medical care.

Money deposited in a HSA can be deducted from your income taxes. In 2015, an individual can deposit and deduct up to $3,350 while a family will have a limit of $6,650. Those over age 55 are allowed an extra $1,000 as part of the catch-up provision.

Deposits grow tax-deferred and gain interest based on current savings rates or the performance of chosen investments. Unused funds remain in the account year after year for future medical expenses and always belong to you – even after the policy is cancelled. All of our carriers offer competitive HSA qualified plans.

Funds can be withdrawn tax-free for qualified medical expenses; such as reaching a deductible/coinsurance amount, dental/vision bills, or prescription costs for example. Deposits would lose their tax favored status if withdrawn for anything other than a qualified medical expense.

Contact Us For Quotes, Assistance & Enrollment

We are a full service, independent health insurance agency in Missouri offering quotes, coverage and enrollment direct to you. There are no additional costs to use our services. We will help you find the most suitable medical coverage to meet your needs and budget either on or off the federal exchange.