Health insurance help for Missouri residents
Compare Medicare, health insurance marketplace plans and Medicaid in Missouri, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Missouri
MO HealthNet, Missouri's Medicaid program, offers year-round enrollment independent of the ACA's annual Open Enrollment window, and Missouri residents use the federal HealthCare.gov Marketplace for ACA shopping. Missouri Health Insurance is free to use for Missouri callers working through Medicare, ACA, life, or supplemental coverage questions.
- MO HealthNet, administered by the Missouri Department of Social Services, accepts applications year-round rather than only during an annual window -- that's the right program to start with if your Missouri Medicaid eligibility changed.
- Missouri opted not to build its own ACA exchange, so Missouri marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace, which also screens for MO HealthNet eligibility during the application.
- Missouri's free Medicare counseling program, CLAIM (Community Leaders Assisting the Insured of Missouri), has operated as the state's SHIP since 1993 and can be reached at 800-390-3330, separate from Missouri Health Insurance's own free phone help.
Worth knowing: Missouri's Medicare counseling program, CLAIM, is run as an independent nonprofit rather than directly out of a state agency -- a different structure than most states' SHIP programs, though it's still the officially designated, federally-recognized SHIP for Missouri.
Coverage questions we help Missouri residents with
Health plans (ACA marketplace)
How Missouri’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Missouri’s free counseling program.
Medicaid
Where to apply in Missouri, and what to do when your coverage changes.
Missouri by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Missouri you live. Start with your county.
Major Missouri cities
Missouri colleges and universities
- University of Missouri
- Missouri State University
- Missouri University of Science and Technology
- University of Missouri–Kansas City
- Truman State University
- University of Central Missouri
State bird: Eastern Bluebird
Sialia sialis. Missouri’s official state bird, shown here as a local touch.
Photo: Sandysphotos2009 (CC BY 2.0), via Wikimedia CommonsCommon Missouri questions
Where do I shop for ACA health plans in Missouri?
Missouri residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/missouri/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Missouri?
Medicaid in Missouri is run through MO HealthNet (Missouri Department of Social Services) (https://dss.mo.gov/healthcare). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Missouri?
Missouri Department of Commerce and Insurance (DCI) (https://dci.mo.gov) regulates insurance companies and agents in Missouri. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Missouri?
Yes. CLAIM (Community Leaders Assisting the Insured of Missouri) (800-390-3330) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Missouri Health Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Missouri coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.