How to Buy Short-Term Health Insurance in Missouri

April 13, 2021
2 minute read

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.


47377-HM-0421

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. 

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© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022

© 2024 HealthMarkets Insurance Agency. All rights reserved.

* Medicare Advantage, Medicare Supplemental Insurance, and Part D options can be explored.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

To send a complaint to Medicare, call 1-800-MEDICARE (TTY users should call 1- 877-486-2048), 24 hours a day/7 days a week). If your complaint involves a broker or agent, be sure to include the name of the person when filing your grievance.

Attention: This website is operated by HealthMarkets Insurance Agency, Inc. and is not the Health Insurance Marketplace® website. HealthMarkets Insurance Agency, Inc. is licensed as an insurance agency nationwide except in MA. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan. No obligation to enroll. Agent cannot provide tax or legal advice. Contact your tax or legal professional to discuss details regarding your individual business circumstances. Our quoting tool is provided for your information only. All quotes are estimates and are not final until consumer is enrolled. Medicare has neither reviewed nor endorsed this information.

HealthMarkets Insurance Agency offers the opportunity to enroll in either QHPs or off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.

This information is not a complete description of benefits. Call the Plan’s customer service phone number for more information.

49075-HM-1022