It’s no secret, the cost of living is on the rise and people are looking to save money wherever they can. So if you’re looking for cheap health insurance in Missouri, you’re not alone.
Whether you’re self-employed, between jobs, or you’re someone working for an employer that doesn’t provide insurance, you’ve likely seen how challenging it can be to find affordable health insurance. And if you’re a business owner, it can be just as challenging to cover your employees.
In these cases, many people turn to Affordable Care Act insurance, also known as Obamacare. But even with the more affordable options provided by the ACA, many people are finding health insurance overly expensive.
So, where do you turn for cheap health insurance in Missouri?
First, let’s talk about the word “cheap”.
For many, the word cheap implies a lower quality product, and that’s not something any of us want when it comes to the healthcare we choose for our families or our employees. With that in mind, we want to preface this article by saying that we won’t recommend cheap health insurance options that are inferior in quality.
In fact, because 180 Healthcare isn’t an insurance company, we’re going to talk about some ways that you can save money on health insurance without buying traditional insurance. Best of all, we have options for both individuals/families and businesses alike.
Intrigued? Let’s dive deeper, shall we?
Do I Need ACA Compliant Health Insurance?
First, let’s talk about what ACA compliant health insurance is and why it matters to your search for cheap health insurance in Missouri. In a nutshell, ACA-compliant means that the health insurance policy conforms to the regulations set forth in the Affordable Care Act (Obamacare).
According to healthinsurance.org, “all newly purchased individual and small group health insurance policies are required to be ACA-compliant, regardless of whether they are sold on or off-exchange. This has been the case since January 1, 2014.”
That said, many plans were grandfathered or grandmothered in, and many aren’t governed by ACA guidelines. These include, short-term medical insurance (also referred to as temporary health insurance), accident supplements, and dental/vision plans, just to name a few.
If you’re looking for cheap health insurance in Missouri, keep in mind that not all insurance plans are ACA compliant, and while the tax penalties were lifted in Missouri back in 2019 for individuals and companies with fewer than 50 employees, having an ACA-compliant plan is still beneficial and recommended, but not required for individuals or families in the state of Missouri.
So, whether you’re someone looking for cheap, ACA-compliant health insurance for your business, or you’re just looking for more affordable health insurance for you or your family, we have a solution for either situation.
For Individuals and Families
180 Healthcare + Sedera
We talked a lot about Sedera in our article covering several different health insurance alternatives, but we’ll cover some highlights here too because our partnership with Sedera is a great answer to the search for cheap health insurance in Missouri.
First, Sedera isn’t health insurance, but instead, it’s what we in the industry call Medical Cost Sharing. Medical Cost Sharing is peer-to-peer sharing of large, unexpected medical costs through a membership-based community. This means that there are no open enrollments and you can join anytime. Great news!
When you join one of 180 Healthcare’s Direct Primary Care plans, you can also add a plan from Sedera to cover larger medical bills that may arise unexpectedly. Whether or not you can afford traditional insurance, this package approach is an incredible alternative to traditional healthcare.
Why? Because it costs less while giving you 24/7 access to a doctor without the copays or deductibles AND it covers your larger medical bills as well.
More great news! But how much does it cost to get started?
The cost depends on your IUA, or initial unshared amount. While Sedera offers several different IUA amounts to choose from, we typically start with $1,500, and those prices can be seen here:
Now, please keep in mind that prices may vary and Sedera may not be available in all states, but it is available in Missouri and 180 Healthcare members receive additional savings.
If you want to explore this option, click here to contact us today. From there, someone from our team will reach out to you and lay out all of your options.
180 Healthcare + Health Access Solutions
Through our partnership with Health Access Solutions, we can provide you and your employees with ACA-compliant solutions without the high premiums that come with most ACA-compliant health insurance plans.
How does it work?
It’s simple, really. To be ACA-compliant, the solution has to focus on three key areas: Primary Care, Prescriptions, and Preventative Care.
At 180 Healthcare, we offer all the pieces to build you an affordable healthcare plan. First, we start with our Primary and Preferred plans that cover your primary care (unlimited doctor’s visits with no copay or deductibles, discounted labs & imaging, discounted dental, vision, chiropractic & physical therapy, and more) and your prescriptions.
Then, we combine our offering with Health Access Solutions to cover your preventative care. You can learn all about that here.
All you need to get started is a minimum of three employees. If that’s you, you can request a quote here today.
Missouri, We’re Here For You!
This unique combination of services allows us to offer a truly affordable healthcare solution, for individuals and businesses alike. So, if you’re still in the market for cheap health insurance in Missouri, our solution might just be the perfect fit.
Again, 180 Healthcare is not health insurance, but we offer incredible care at affordable prices. So while we may cost less, we’re not “cheap” in terms of quality. Individuals can get started on our Primary Plan for just $79, or our Preferred plan for just $10 more a month. And, you can add children for only $10/month/child.
Then, depending on whether you’re a family or a business, we’ll help set you up with either Sedera or Health Access Solutions. It’s really that easy!
If you are ready to get off of the health insurance roller coaster and work with an ACA compliant company that can give your family and/or employees all the health solutions they need at prices you can afford, please reach out to us today!