St. Louis city, Missouri: health insurance
What St. Louis city residents should know about Medicare, marketplace plans and Medicaid.
St. Louis city at a glance
| State | Missouri |
|---|---|
| Population (2023 est.) | 281,754 |
| Population rank in Missouri | 5 of 115 |
| Land area | 62 square miles |
| Major cities | St. Louis |
Source: U.S. Census Bureau (Population Estimates 2023; Gazetteer 2023).
Why your county matters for coverage
In Missouri, the health plans you can choose depend on where you live. Medicare Advantage and Part D plans are offered by service area, usually county by county, and marketplace premiums and carriers are set by area as well. Living in St. Louis city means the options on this page apply to you, and plans in a neighboring county may differ.
- Medicare: CLAIM (Community Leaders Assisting the Insured of Missouri) gives free, unbiased counseling at 800-390-3330. Ask which plans serve St. Louis city specifically.
- Marketplace plans: shop through HealthCare.gov (federal Marketplace); enter your St. Louis city ZIP code to see what is offered.
- Medicaid: apply through MO HealthNet (Missouri Department of Social Services).
Missouri note: 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.
Questions about St. Louis city
Are the same Medicare plans offered everywhere in Missouri?
No. Plans are offered by service area. A plan available in one county may not be offered in St. Louis city, so check by county.
Where do St. Louis city residents get free Medicare counseling?
CLAIM (Community Leaders Assisting the Insured of Missouri) (800-390-3330) is Missouri's free SHIP program.
Do I have to enroll if I call?
No. Calling is a conversation about your options, and you are never required to enroll.
St. Louis city residents: call 855-367-1095
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 855-367-1095Other large counties
Reviewed 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.