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Missouri Small Business Health Insurance

It may not appear to be a hotbed of small business success, but the Show-Me State has snuck into the competitive arena with gloves up. In 2002, small businesses contributed $12.2 billion dollars to the Missouri economy, according to the U.S. Department of Commerce. With this success of small businesses comes a responsibility to hire quality employees. In today's economy, employees demand more than just good pay. They want a benefit package that includes health care.

With personal health care expenditure at $23,292 million in 2000, employees in Missouri cannot afford not to have insurance. The State is doing its part to provide employers incentives to offer health insurance. Consumer-driven plans are lowering premium costs for employers while offering the employee more choice in how his health care is handled. Insurance carriers are also helping small businesses attract loyal employees by offering them plans that are affordable and comprehensive, in accordance with the state's insurance regulations.

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Featured Missouri Small Business Health Insurance Providers

• United HealthCare
  
  

In addition, if you are looking for information on Individual or Family Plans in Missouri, products are available from the following:

• American Medical Security Life Insurance Company
  
  
• BlueCross BlueShield of Kansas City
  
  
• BlueCross BlueShield of Missouri
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Humana
  

Missouri’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member. Minimum contribution or enrollment clauses may be in effect.
  
  
• Insurance carriers covering small businesses with 3-25 employees can charge higher group premiums due to health status, age, gender and risk, however there is a limit to the variation allowed. Rates can increase if one member of the group is seriously ill.
  
  
• For groups of more than 25 workers or less than two workers, there are no limits to how high premiums can become at renewal.
  
  
• Self-employed workers with no employees cannot enroll in a group plan, however they can deduct up to 100% of premiums paid on an individual plan on their taxes.

Request a free online quote for more information on Small Business solutions in Missouri >>