How to Buy Short-Term Health Insurance in Missouri

Need affordable health insurance in Missouri to cover minimal medical services like emergency care? Short-term health insurance could be the coverage you’re looking for. Not to mention that short-term health insurance plan may cost less than you think. 

Can I Buy Short-Term Health Insurance in Missouri?

Yes. Missouri residents can purchase short-term health plans with coverage that lasts 11 months or longer.¹ Each state is responsible for setting its own regulations for short-term health insurance, so limitations can change. 

Temporary health insurance in Missouri can be a practical solution for gaps in coverage due to transition periods. For example, you may be between employer coverage, or you missed Missouri’s Open Enrollment Period. And to make the coverage even more practical, short-term health insurance plans can start covering you as soon as the next day after you apply. 

If you are among the 600,100 uninsured Missourians,² buying short-term health insurance could help you get the coverage you need and can afford. In fact, Short-term health insurance plans in Missouri purchased from HealthMarkets cost an average of $147.*  

Will Missouri Short-Term Health Insurance Plans Work for Me?

Whether a short-term plan will work for you depends on a few factors. Short-term health insurance is designed to provide coverage for medical emergencies. Some provide more coverage, but generally these plans work better for healthy individuals.

Before you purchase a short-term health insurance plan, you should understand a few basic aspects of this coverage. Otherwise, you may be caught off guard by out-of-pocket expenses down the road. First, short-term health insurance does not provide comprehensive coverage. This means that you are not guaranteed to receive the essential benefits required from Affordable Care Act (ACA) plans. Second, those with pre-existing conditions may be denied coverage. If you need frequent medical care, other options may be more appropriate for you. Finally, each plan varies, so it is important to check the plan details before applying for a plan. 

How to Apply for Short-Term Health Insurance in Missouri

To apply for short-term health insurance in Missouri, visit HealthMarkets now. You can compare plan options, view premiums to see which plans best fit your needs, and start an application today.

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References:
1. Center on Budget and Policy Priorities. October 2020. Retrieved from https://www.cbpp.org/state-limitations-on-short-term-health-insurance-plans-october-2020 | 2. Kaiser Family Foundation. 2021. Retrieved from https://www.kff.org/other/state-indicator/total-population/?dataView=1¤tTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D. Accessed April 2, 2021. 

Disclaimers:
*Average based on premiums for all 2021 short-term health plans sold by HealthMarkets for a 40-year-old non-smoking male making $30,000 per year living in St. Louis, MO.
“Minimum Essential Coverage” as defined in the Affordable Care Act and may not cover all Essential Health Benefits in your state.