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In the recent years, with the rising prices of health care services and facilities, health insurance have become more necessary than ever. If you are uninsured and living in Missouri, there are a number of health insurance options. For one, you can get insurance coverage from your employer. You can also obtain insurance from a private health insurance company or from Health Maintenance Organizations.

In Missouri, unless you are regarded federally eligible, companies have the freedom to refuse insurance due to your health conditions or other factors. If you choose to purchase an individual health plan, there may be pre-existing conclusions set for up to 2 years on your coverage, alont with elimination riders that may permanently exclude certain coverages. However, note that once your application is accepted, insurance companies can not refuse you benefits (unless you stop paying your premiums) - so called guaranteed renewability.

If health insurance companies have turned you down or if your application has been involuntarily terminated or if you are charged over 300% of regular premiums due to health conditions, Missouri's CHIP or Comprehensive Insurance Pool, administered by Blue Cross and Blue Shield of Missouri can offer you health care coverage. This program is especially designed for high risk residents of Missouri.

Income-eligible health insurance programs are also an option. If you can not afford to buy health insurance, and you meet certain guidelines and fall within the accepted income bracket, you are qualified to receive Medicaid. This is available for individuals, families, children, infant, preganant women, and even the disabled. Applicants will initially be screened depending on income, expenses and assets. As in regular health insurance, your policy and premiums will vary according to the category you belong to. In addition to Medicaid, MC+ for Kids is an expansion program which provides health insurance to Missourians aged 19 and below who (and whose families) can not afford to obtain health insurance on their own.