Health insurance & Medicare · St. Louis, MO (St. Louis City)
Individual & Family Health Insurance in St. Louis, Missouri
20.6% of St. Louis households include children under 18, well below the U.S. figure of 29.8%. Help choosing an ACA Marketplace health plan, including checking whether you qualify for premium tax credits that lower your monthly cost. Olive, a licensed agent with Manna Financial Services, helps St. Louis, MO households compare individual and family health insurance by phone or video, and the first conversation is free.
What matters for individual and family health insurance in St. Louis
St. Louis's uninsured rate for working-age adults (12.8%) is above the U.S. average. If you have been without coverage, Open Enrollment (November 1 to January 15) is the time to enroll; outside it you need a qualifying life event.
St. Louis by the numbers
- 20.6% of St. Louis households include children under 18, well below the U.S. figure of 29.8%.
- 12.8% of St. Louis adults aged 19 to 64 have no health insurance, above the U.S. rate of 11.1%.
- 7.6% of St. Louis workers are self-employed, below the U.S. figure of 9.8%. Self-employed people have no employer plan for health, life or disability coverage.
- The median household income in St. Louis is $55,279, well below the U.S. average of $78,538, the 3rd-lowest median household income of the 10 Midwest U.S. communities on this site.
St. Louis and nearby communities
| Place | Uninsured adults 19–64 | Self-employed | Median household income |
|---|---|---|---|
| St. Louis | 12.8% | 7.6% | $55,279 |
| Chicago | 12.2% | 8.9% | $75,134 |
| Indianapolis | 13.1% | 7.8% | $62,911 |
| Detroit | 11.1% | 7.4% | $39,575 |
| U.S. | 11.1% | 9.8% | $78,538 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with individual and family health insurance
- Compare the Marketplace plans offered in your county
- Check premium tax credit and cost-sharing eligibility
- Confirm your doctors, hospitals and prescriptions are in network
- Enroll during Open Enrollment or a Special Enrollment Period
Read our full guide to individual and family health insurance
Rules that apply in Missouri
- Missouri residents buy individual and family Marketplace plans through HealthCare.gov or their state exchange. Plans and prices vary by county.
- Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1.
- Outside Open Enrollment, a qualifying life event such as losing other coverage, moving, marriage or a new baby opens a Special Enrollment Period.
- Marketplace premiums are the same with or without an agent. Insurance companies pay the agent.
Questions from St. Louis
When can I enroll in a Marketplace plan?
Open Enrollment typically runs November 1 to January 15. Enroll by December 15 for coverage that starts January 1. Outside that window you need a qualifying life event, such as losing other coverage, moving, marriage or a new baby, to use a Special Enrollment Period.
Do I need to visit an office in St. Louis?
No. Olive works with St. Louis and St. Louis City households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about individual and family health insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.