Health insurance for Missourians who buy their own.
We help Missourians who buy their own health insurance, from people between jobs or on COBRA to the self-employed and early retirees waiting for Medicare, compare Marketplace plans and other options.
Missouri plans we compare
What’s different about health insurance in Missouri.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Missouri FAQ- Missouri uses the federal Marketplace; open enrollment for 2027 runs November 1, 2026 to January 15, 2027.
- Extra federal subsidies ended after 2025, so households above 400% of the poverty level get no premium tax credit for 2026.
- MO HealthNet covers adults up to 138% of the poverty level, with work or activity rules starting January 1, 2027.
- Small-employer workers get COBRA-style continuation under Missouri law, for up to 18 months.
- Short-term plans can last up to 36 months with renewals here, but they can deny or exclude health conditions.
- Every county has at least two Marketplace insurers for 2026, and most have four or more.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Missouri's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Missouri, and what to use instead.
Learn moreWho sells plans in Missouri
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Missouri FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15 if you want coverage to start January 1. Plans chosen from December 16 to January 15 start February 1.
No. Missouri uses the federal Marketplace at HealthCare.gov. Premium tax credits, enrollment dates and special enrollment rules follow the federal system.
Missouri does not have its own coverage mandate or state tax penalty. Going without coverage still leaves you exposed to large medical bills, and you generally can only sign up for a Marketplace plan during open enrollment or after a qualifying life event.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Missouri county, check your subsidy, and walk you through the options. No cost, no obligation.