- Overview Of Health Insurance In Missouri
- Finding Health Coverage In Missouri
- Missouri Medical Insurance Numbers
- Is Health Insurance Mandatory In Missouri?
Overview Of Health Insurance In Missouri
Missouri, nicknamed the Show Me State after a speech by Congressman Willard Vandiver, is known for its famous BBQ, the home of Anheuser-Busch (Budweiser), and the home of Mark Twain. As the 24th state to be admitted to the union, Missouri is the 18th most populous, and the 21st largest in terms of land and area.
There’s room for improvement when it comes to health in Missouri, who’s population lands at number 41 on the state health rankings. It should be noted that there is room for improvement across the country, not just in the Show Me State. So, if you’re looking to take better care of your own health, here’s what you need to know.
Finding Health Coverage In Missouri
There are a ton of factors that go into leading a healthy lifestyle, but most people only put an emphasis on things like eating right and staying active. Now, those are both crucial to your health, but that really only accounts for half the battle. Health insurance also plays a key role in keeping you healthy, and here’s why.
When you have comprehensive health coverage, you immediately get access to routine, but important, medical services. For example, you can visit your primary care physician, and take advantage of preventive services for little to no cost. Reports show that when individuals aren’t enrolled in adequate medical coverage, they don’t seek treatment when they should for fear of costly bills. If you don’t have health insurance, or are looking to switch plans, here’s where to start.
Missouri Open Enrollment Dates
Missouri’s Open Enrollment Period happens once a year, and is the time when all residents can enroll in qualified health plans without worrying about being denied coverage. When the Affordable Care Act (ACA) passed, states had the option to create their own marketplaces and exchanges, or participate in the federal marketplace, Missouri chose the latter. For that reason, Missouri’s Open Enrollment coincides with the federal period, and runs through the following dates:
- November 1, 2018 - December 15, 2018
For some, Missouri’s health insurance marketplace offers the most comprehensive and affordable coverage options. The reason being, when companies offer their plans on the exchange, they are required to follow certain rules and standards set under the Affordable Care Act. One of these rules is not denying or charging people more for their medical insurance based on medical history. So, if you, or anyone on your policy has pre-existing or chronic health conditions, the marketplace may be your best bet.
Another benefit to enrolling through Missouri’s health exchange is being eligible for subsidized coverage. Depending on your income, you may qualify for government subsidies or premium tax credits that can save you money on healthcare costs. If you qualify, the marketplace is also where you can apply for Missouri’s Medicaid program.
Missouri Health Insurance Quotes
The Affordable Care Act was the most exhaustive overhaul of the US healthcare system in recent years. There’s no denying that it lowered the uninsured rate in the country, and put health insurance in reach for millions of Americans for the first time. However, for anyone who doesn’t qualify for subsidized coverage, the marketplace became too expensive, which is why many began to turn to the private sector.
FirstQuote Health specializes in helping people like you, find and compare the cheapest and most affordable health insurance quotes in Missouri without compromising quality. Plans and pricing aren’t the same across the country, or even each state, so by entering your zip code you’ll see the most accurate quotes in your area. You can even talk to an experienced agent with no obligation, who can help you find the perfect plan. By getting started now, you can get coverage for you and your family as soon as today.
Coverage From Missouri’s Best Health Insurance Companies
Not everyone wants to spend their time shopping around and comparing plans, which makes sense. The process can be both overwhelming and time consuming. If you’re already happy with your current coverage, or have a provider in mind, then you can just enroll directly with one of the best health insurance companies in Missouri. Popular options include the following:
Before enrolling directly with one of Missouri’s top health insurance companies, it’s important to highlight the potential drawbacks you may face. When you don’t compare your options, you may end up overpaying for coverage that doesn’t fit your needs. Remember, everyone’s healthcare needs are different. Meaning, just because you recognize the name or an insurer has a great reputation, doesn’t mean that it’s the best fit for you.
Make sure to do your homework, even if it’s just for a couple of minutes. A quick search online will pull up plenty of reviews from current and past members who were willing to share their experiences. You can also read up on different companies through trusted review websites, like FirstQuote Health, before making your final decision.
Missouri Medical Insurance Numbers
Is Health Insurance Mandatory In Missouri?
Health insurance is not mandatory in Missouri as of 2019. When the Affordable Care Act (Obamacare) passed, it created the individual mandate, a piece of legislation that required all Americans to have health coverage or face a tax penalty. The mandate was essential in keeping Obamacare alive, as it created a larger risk pool to offset the high costs of insuring pre-existing conditions. However, making health insurance mandatory was not received well by all, with opponents of the ACA even going so far as to say it was unconstitutional.
When President Trump took office, he tried to make good on his promise of repealing and replacing Obamacare. After a handful of unsuccessful attempts, Trump took a different approach by signing an executive order the eliminated the individual mandate in 2019. The move was seen by many as an attempt to undermine Obamacare. Some states fought back by creating their own mandates, but Missouri was not one of those states.