13 Best Health Insurance In Missouri 2023

Whether it’s auto, life, health, home, dental or, disability insurance, we all need cheap insurance for one reason or another. It is even more blissful when this insurance Is not only one of the best but is also cheap.

Aside from giving you peace of mind, having health insurance would ensure that you have a defensive game plan. In this article, I’ll list the 13 best cheap health insurance in Missouri.

Table of contents

What Is Insurance?

Insurance is a contract, represented by a policy, in which an individual receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured.

Insurance policies are used to hedge against the risk of financial losses, both big and small, that may result from damage to the insured or her property or liability for damage or injury caused to a third party. An entity that provides insurance is known as an insurer, an insurance company, an insurance carrier, or an underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. 

The insurance transaction involves the policyholder assuming a guaranteed, known, and related very small loss in the form of payment to the insurer in exchange for the insurer’s promise to compensate the insured in the event of a covered loss.

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Why Is Taking Out The Best Cheap Health Insurance in Missouri Important?

Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium.

There are several reasons why taking out health insurance in Missouri. Some of them are:

  • In taking out the best cheap health insurance in Missouri, you can maintain your current standard of living if you become disabled or have a critical illness. It covers your day-to-day costs and larger expenses like your mortgage while you focus on your health and recovery.
  • The best cheap health insurance in Missouri covers health care costs like prescription drugs, dental care, vision care, and other health-related items.
  • With the best cheap health insurance, you can fight lifestyle diseases. Illnesses like diabetes, obesity, respiratory problems, heart disease, all of which are prevalent among the older generation, are now rampant in younger people too can easily be combated. 
  • Health coverage safeguards your family should anything happen to them. 
  • The best cheap health insurance in Missouri also has a way of helping you manage your savings.

13 Cheap Health Insurance Missouri

Here’s a list of the 13 best affordable health insurance in Missouri:

1. Blue Cross and Blue Shield of Kansas City

This is the largest not-for-profit health insurer in Missouri and the only not-for-profit commercial health insurer in Kansas City that has been part of the community since 1938. They provide health coverage services to more than one million residents in the greater Kansas City area. It is one of the best cheap insurance companies in Missouri. 

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2. Celtic Insurance Company

Celtic is one of the best cheap insurance companies in Missouri. It ensures that you have the best healthcare you deserve. With Celtic health insurance, you can choose a high-quality plan that fits your needs. Their plans offer products and services for individuals and families that are easy to understand, access, and use. 

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3. Cigna Health and Life Insurance Company

Cigna is an American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Its insurance subsidiaries are major providers of medical, dental, disability, life and accident insurance, and related products and services, the majority of which are offered through employers and other groups. It is one of the best cheap health insurance companies in Missouri. 

4. Cox Health Systems Insurance Company

When seeking health care, one of your biggest concerns might be finding out if those services are covered under your health insurance plan. CoxHealth proudly partners with more than two dozen insurance companies. With CoxHealth, you can enjoy peace of mind with quality health insurance coverage that you can count on. Whether you are self-employed, responsible for a growing family, or just starting your own business; as your needs change, trust the local experts at Cox Health Plans to think your health forward.

5. Healthy Alliance Life Insurance Company (Anthem BCBS)

Healthy Alliance Life Insurance Company operates as an insurance company. The Company provides life, accident, and health insurance services to individuals. Healthy Alliance Life Insurance Company is a Stock company that was incorporated in 1971-04-19. Healthy Alliance Life Insurance Company is a Life insurance company and has assets of 598,258,047, capital of $2,500,000, and a net surplus of $266,445,070. It is one of the best cheap health insurance companies in Missouri. 

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6. Medica Insurance Company

This company offers health plans in the Medicare market and contracts with the Department of Human Services. They provide managed care plans to those in Medical Assistance and Minnesota Care.

Medica is a family of health plans owned by the non-profit Medica Holding Company. Medica Health Plans, Medica Health Plans of Wisconsin, Medica Insurance Company, Medica Self-Insured, and Medica Health Management, LLC all belong to this group. Medica’s first health plan, Physicians Health Plan, was created by a group of doctors in 1975. Medica emerged in 1991 when Physicians Health Plan merged with Share and then merged again in 1994 with HealthSpan creating Allina Health System. Medica became the independent health plan it is today in 2001.

7. Oscar Insurance Company

Oscar Health, Inc. is an American health insurance company, founded in 2012 by Joshua Kushner and Mario Schlosser, and is headquartered in New York City. The company focuses on the health insurance industry through telemedicine, ha healthcare-focused technological interfaces, and transparent claims pricing systems which would make it easier for patients to navigate. Oscar Health is a startup health insurance company that uses technology to differentiate it from traditional insurance providers and provides access to medical professionals, including free doctor visits and 24/7 consultations, and assistance in creating an individualized team of healthcare professionals within its network. 

SEE ALSO: Health Care Vs Private Insurance: What You Should Know

8. SSM Health Insurance Company

SSM Health is a Catholic, not-for-profit health system serving the comprehensive health needs of communities across the Midwest through a robust and fully integrated health care delivery system. The organization’s nearly 40,000 employees and 11,000 providers are committed to providing exceptional health care services and revealing God’s healing presence to everyone they serve.

SSM Health includes 23 hospitals, more than 290 physician offices, and other outpatient and virtual care services, 10 post-acute facilities, comprehensive home care, and hospice services, a pharmacy benefit company, a health insurance company, and an accountable care organization. It is one of the largest employers in every community it serves.

9. Humana

This is one of the cheap health insurance in Missouri. Humana is also a Coordinated Care plan with a Medicare contract and a contract with the state Medicaid program. As a company, they comply with applicable Federal civil rights laws and do not discriminate based on race, color, national origin, age, disability, sex, sexual orientation, gender identity or expression, transgender status, marital status, military or veteran status, or religion.

10. Aetna

Aetna Inc. is an American managed health care company that sells traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid (fully or partly) insurance and benefit programs, and through Medicare. The company’s network includes 22.1 million medical members, 12.7 million dental members, 13.1 million pharmacy benefit management services members, 1.2 million healthcare professionals, over 690,000 primary care doctors, and specialists, and over 5,700 hospitals.

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11. Care Health Insurance

Care Health Insurance is an Indian health insurance company established in July 2012. The company is headquartered in Gurgaon, Haryana, and operates out of 158 offices across India and part of America with 8500+ employees. It currently offers products in the retail segment for Health Insurance, critical illness insurance, Personal Accident Insurance, Super Top-up Coverage, International Travel Insurance, and Maternity along with Group Health Insurance and Group Personal Accident Insurance for corporates. It is another insurance company that offers cheap plans to everyone willing to invest in their health. 

12. Sharp health plan

Sharp Health Plan ensures to offer high-quality health insurance. In addition to having some of the lowest rates in the region, Sharp Health Plan continues to be recognized in Missouri and nationally for its affordable, high-quality care and service. As the only commercial health plan based in San Diego, Sharp Health Plan is committed to delivering the best health care for the best value, at hundreds of convenient locations throughout San Diego and southern Riverside counties.

13. Molina Healthcare

Molina Healthcare is a managed care company headquartered in Long Beach, California, United States. The company provides health insurance to individuals through government programs such as Medicaid and Medicare.2014, Molina Healthcare began offering Marketplace plans in nine states where it offered Medicaid health plans through State Facilitated Marketplaces and Federally Facilitated Marketplace. On November 16, 2016, the Seattle Times reported that about 11 million people currently get their coverage through the exchange. It is one of the best cheap health insurance in Missouri. 

Frequently asked questions

In Missouri, health insurance providers adjust their premiums, deductibles, and out-of-pocket maximums annually depending on a variety of factors. These changes are then reported to federal and state regulators to be approved.

The number of people covered by a particular health insurance plan and their ages contributes to the cost of coverage. When you add a child to your health insurance plan, the price increases by an additional flat rate until they are 15 years old. Once they reach age 15, the monthly rate increases as they grow older.

The average cost of health insurance in Missouri in 2023 is $538 for a 40-year-old. However, health insurance costs may vary depending on the metal tier of coverage, where you live, and your age.

In Missouri, the cheapest company for most individuals is Celtic Insurance/Ambetter. This health insurance provider has the most affordable silver plan in 70% of counties in Missouri. But a variety of other companies offer cheap plans on the marketplace, too, including Healthy Alliance Life Insurance Co./Anthem BCBS, Cigna, and SSM Health Insurance Company/WellFirst Health.

When shopping for a health insurance policy in Missouri, you can find the most affordable health insurance by comparing plans from several different companies. Then, considering your individual needs, you can evaluate which companies offer the best rates and select the policy that works for you.


Getting a health insurance cover for yourself and your family can provide the added protection you need in times like these. Apart from the obvious benefit of having the financial confidence to take care of your loved ones, a health insurance plan is extremely useful when it comes to beating medical treatment inflation. 


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