You get a licensed broker who prices every realistic Missouri option against your actual census, then runs the enrollment. Our compensation comes from carriers, never from you.
A licensed broker will contact you within 1 business hour with your personalized group health options.
Need it faster? Call us directly:
(863) 270-9820
Traditional group, level funded, and ICHRA, priced side by side for the businesses we work with every day: 2 to 25 employees.
No portals to learn and no forms to chase. You answer questions once and we build from there.
Ages and ZIP codes are enough. No health questionnaires needed to get real numbers on the table.
We quote the Missouri carriers competing for a group your size and explain which trade-offs actually matter for your people.
Paperwork, employee onboarding, and every renewal after. You are not doing this alone next year either.
Most quotes reach Missouri owners through someone bound to a single lane: one carrier, one product, or a call center reselling your contact details. We are structurally different.
Every year we re-quote the market and tell you honestly whether moving is worth it.
You get Amanda or Erik directly, not a call center. Same broker from quote to renewal.
Enrollment, renewals, claims questions. We stay with you long after the policy starts.
From basic MEC plans to full PPO coverage, we find the right fit for your business.
Plans built for teams of 2 to 25, with the ancillary coverage most employees ask about first.
Comprehensive coverage options from Missouri's top carriers, including Blue Cross Blue Shield of Kansas City, Anthem Blue Cross Blue Shield, UnitedHealthcare, Cigna, and more.
Robust pharmacy benefits included with most plans, reducing out-of-pocket costs for your entire team.
We match your team to the right plan type, whether you need lower premiums, more flexibility, or HSA-compatible options.
We re-shop your plan every year at renewal so you can see how your rate compares before you renew.
We walk your new hires through their options, answer their questions, and handle enrollment, so you don't have to.
Small groups run on their own rules: participation, contribution, owner eligibility, waivers. We work inside those rules every day, so nothing about a Missouri group of 3 or 23 surprises anyone at enrollment.
Most brokers only quote one of these. We run all three side by side and show you the math.
Fully insured plans from Missouri's top carriers. Missouri is unique in having two separate Blue Cross Blue Shield licensees, Blue Cross Blue Shield of Kansas City in the west and Anthem in the east, so we make sure you're quoting the right one for your location. Fixed premiums, zero surprises, and the easiest plan for employees to understand.
Big-company economics for small teams. You pay a level monthly amount, and if your team has a healthy year, you can get money back at renewal. Often beats fully insured pricing for healthy groups.
Set a tax-free monthly allowance and every employee picks the plan that fits them. You control the budget with no renewal shock, they get real choice. We handle setup and compliance.
Example situations, not customer reviews. They show how the decision usually gets made.
Wage bands sit low enough that some of the roster may qualify for MO HealthNet rather than the group plan.
How we approach it: We start by sorting who is actually eligible, then price the structures that survive that answer.
Staff live on both sides of the Kansas City state line while doctors and hospitals do not always follow.
How we approach it: We model the options side by side and tell you which one we would pick if it were our payroll.
High turnover and seasonal peaks, so waiting periods and eligibility rules matter more than plan richness.
How we approach it: We price fully insured against level funded on the real census, and say plainly which one the roster supports.
Before comparing plans it helps to know the terrain. Here is Missouri's.
Missouri uses the federal exchange, Healthcare.gov. There is no separate state exchange, and it lists only on-exchange plans, not the group or off-exchange market.
Missouri expanded Medicaid by ballot measure, so adults up to roughly 138% of the federal poverty level may qualify for MO HealthNet. Below that line it usually beats anything you could buy them.
The small group market in Missouri includes Anthem Blue Cross Blue Shield, Blue Cross and Blue Shield of Kansas City, Cigna, UnitedHealthcare, and Aetna. We compare what is available to a group your size rather than leading with one carrier.
Carriers file rates by rating area, which is why Kansas City, St. Louis, Springfield, and Columbia price differently for the same roster. Your local logistics, healthcare, manufacturing, and agribusiness employers see the same spread. Missouri is unusual in having two Blue Cross Blue Shield licensees, Anthem statewide and Blue Cross and Blue Shield of Kansas City in the west. In Kansas City the labor market also crosses a state line while provider networks often do not.
Most of what you read about group health is written for companies with an HR department. A Missouri business with a handful of people runs on a different set of rules, and those rules decide your quote before any carrier does.
Carriers expect a majority of eligible employees to enroll, and employees with other coverage can usually waive without counting against you. With 6 people, one waiver changes the math. We sort eligible from waived before we quote.
A group plan needs at least one W-2 employee besides the owner, and a spouse on payroll usually does not count. Solo owners have a different lane, and we will say so instead of forcing a group plan.
Level-funded carriers each set a minimum enrolled count. Some quote a group of two, others will not look under five or ten. We know which ones will quote your headcount before you fill out a form.
An ICHRA has no participation minimum and works at any size, which makes it a real option for the smallest Missouri groups that cannot hit a carrier's enrollment floor.
What Missouri owners want to know before they send a census.
One short conversation is enough to price your Missouri group properly. There is no fee and no commitment either way.
