The Affordable Care Act (Obamacare) makes affordable health insurance available to all who need it. It is available to all US citizens and can provide even low-income earners with comprehensive medical care coverage for their families.
The various states have their own rules and processes for Obamacare enrollment. Do you need help with how to sign up for Obamacare in Missouri? We have all the info you need for Obamacare sign-up in your state, right here.
About Obamacare In Missouri
People with income between 100% and 138% of the poverty level are eligible for Medicaid. States could decide for themselves whether or not to expand Medicaid alongside offering Obamacare health plans.
Just over 13% of US citizens live below the poverty line. In Missouri, it is only slightly more than that, but this varies widely from one area of the state to another. Consequently, Missouri was one of the states where a voter-approved ballot influenced the expansion of Medicaid.
Usually, whenever a state expands Medicaid, as Missouri did in 2021, Obamacare marketplace enrollment tends to decrease. However, enrollment in Missouri’s Obamacare marketplace plans continued to grow in 2022.
During the 2022 enrollment period, 250,341 people signed up for health plans through Obamacare, 35 000 more than during the enrollment period for 2021 coverage.
Nearly 2.5 million Missourians have pre-existing medical conditions that might otherwise disqualify them from private health insurance plans. But fortunately, that practice is not allowed under the Affordable Care Act.
How To Sign Up For Obamacare In Missouri
While some states have their own marketplace for Obamacare health plans, most go through the federal Obamacare health plan marketplace at Healthcare.Gov.
Here, you can compare the health plans available in your state, and sign up for one of your choices. Missouri residents have to do the same, as there is no dedicated Missouri Obamacare marketplace portal.
Enhance Health offers the simplest way to sign up for Obamacare in Missouri. We have helped countless people across your state to find the ideal health insurance for their budget and lifestyle. And we can do the same for you, too.
Our qualified and friendly customer care agents will guide you through the process of comparing health plans. And they’ll explain exactly how to go about enrolling for the plan of your choice. So you don’t have to get frustrated by the options available and the terminology involved.
But whichever plan you choose, take care to enroll for Obamacare during the open enrolment period. This runs from the 1st of November to the 15th of January. No matter where or how you sign up, this enrollment period applies. However, in special circumstances, you may qualify for enrollment outside this period.
Obamacare Plans Missouri
In Missouri, the Division of Medical Services, (previously known as MO HealthNet Division), provides various health services for low-income families.
But Missouri is the eighth-worst state for healthcare among the 50 states. This was established by research conducted in 2019, and it does not appear to have changed.
Access to dental care seemed to be a particular problem that was worsening, with many adults having lost six or more teeth.
So, it makes sense to get the best health insurance coverage that you can afford. Even if you feel that you are not able to afford it there are subsidies available to assist with health insurance costs.
Ten insurers participate in Obamacare in Missouri, up from nine in 2022. This is because UnitedHealthcare, after having left in 2016, has once again joined the Obamacare marketplace. These ten insurers offer varying levels of health insurance coverage.
Short-term health insurance is another option in Missouri. As of late 2020, at least nine health plan insurers in Missouri sold short-term health insurance plans.
Obamacare Missouri Cost
Premium increases in Missouri for the year 2023 differ widely depending on the insurer. The lowest increase is 0.2 % for Aetna and the highest is 20.24% for Blue KC (Blue Cross Blue Shield of Kansas City).
The average premium increase across the board for 2023 is about 11%. If you are concerned that you won’t be able to afford any of the premiums, there is help. Thanks to the American Rescue Plan’s subsidies that are now widely available, everyone can access insurance regardless of income.
What Do You Need To Sign Up For Obamacare?
Like the rest of the country, Obamacare is available to residents of Missouri who meet the following criteria. To apply for Obamacare, you must be:
- A US citizen or legal immigrant
- A low-income earner or unemployed
- Not a dependent on another person’s health insurance
- Not incarcerated
- Without health insurance coverage through your employer
To establish that you meet these criteria, you may be asked for documentation to prove these claims.
Your household income will be assessed, and any state unemployment benefits (such as for recently unemployed people) will be taken into account.
Should you be unsure of your unemployment benefit status, the Missouri Department Of Labor will be able to assist you.
Enrolling in Obamacare in Missouri doesn’t have to be complicated. We can help you every step of the way, from assessing if you meet the criteria, to comparing health plans, to signing up.
Don’t let confusing jargon get in the way of acquiring affordable health insurance for you and your family. Give us a call today at 877-395-2858.