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As of March 2020, nearly two thirds of Missourians are covered by private health insurance coverage from their employer. Only nine percent are uninsured. This is good news for insurance holders. However, more uninsured citizens leads to higher insurance rates for insured citizens. Missouri is one of only a few states that do not require employers to offer insurance to their employees. They must instead require their employees to purchase it separately. The Missouri Department of Insurance and the Missouri State Employees' Retirement System jointly regulate this matter. In some cases, insurance companies will offer insurance plans with limited services to their workers in exchange for a higher premium. In other cases, the insurer may offer plans that have a high deductible. For many employers, health insurance is not a large expense. Most employers offer an employer-sponsored health plan or employee discount program. Some also offer individual coverage plans to their employees. While these are certainly attractive options for employees, employers may not be in a position to pay the full premium for health insurance on their own. If you have employed an employer who does not provide health insurance, there are other alternatives. For example, if your employer provides health insurance but does not cover a large percentage of your paycheck, you may qualify for Medicaid. The Health Insurance Portability and Accountability Act (HIPAA) cover those with no health condition. Those who are self-employed may be eligible for Medicaid or a state-sponsored health insurance program if they meet specific income guidelines. Individuals who do not qualify for Medicaid are encouraged to contact their state's health department for more information regarding eligibility requirements. why is geico so cheap? require proof of income and in order to receive Medicaid, an individual must be covered by Medicare. If you have opted for an individual health insurance plan in the past, it may be possible to refinance your policy. If your insurance company offers a health insurance option on a group basis, you may be eligible to take advantage of group insurance discounts. In addition, your health insurance agent can provide information about other sources of health insurance coverage. There are many insurance companies that offer competitive health insurance quotes in Missouri. Online quote submission services, such as Quicken and Aetna, offer health insurance comparison tools. These sites allow you to enter your current health information and receive a quote from several different companies for a variety of health insurance plans. You can compare prices of the same type of insurance, the level of coverage offered and even compare different health insurance companies. Quicken's insurance quote calculator even includes a “virtual agent” to help you connect with a qualified agent. There are many ways to reduce health insurance premiums in Missouri. Taking proactive steps to make insurance affordable is the first step to financial security. Many insurance companies in Missouri offer financial help when you become ill, injured, or need to take out a new health insurance plan. An employer may offer health insurance benefits, or you may be eligible for federal or state assistance. if you belong to a union or an organization. Contact your health insurance agent to discuss your options. You may also want to find out if you qualify for Medicaid if you are eligible. If you are employed, you may be eligible for insurance discounts if you buy your health insurance from the same place you receive your health insurance payments from. This is commonly referred to as the employer health insurance program. Some health insurance companies also offer health insurance through group health care plans. If you are eligible, your company may provide you with free or low-cost health care if you are a member of your union or a company that pays for employee health insurance. In some cases, your company may offer dental insurance coverage for part of the premiums that you pay on your health insurance. Before selecting a health insurance company in Missouri, be sure to read the fine print carefully, and contact your insurance company if you have questions. There are a number of reputable companies, including those in St. Louis and Kansas City.