What does coverage cost in Richmond? A 40-year-old in Ray County paid about $645 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $675. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
Need a health insurance agent near Richmond? These 15 local offices sell individual and family health plans in Missouri. Many also handle dental, vision and supplemental coverage.
Health Insurance Agents near Richmond
Licensed agents can compare plans available in Ray County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a local agent does
Agents licensed in Missouri can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Questions to ask before you choose
Which carriers can you quote in Ray County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Checking an agent's license in Missouri
- The Missouri Department of Commerce & Insurance offers a License & Contact Info search where consumers can check an agent's or agency's license. It also shows the agency an agent represents. Source
- The Missouri Department of Commerce & Insurance (DCI) licenses insurance producers and regulates health insurers in the state. Its Division of Consumer Affairs investigates consumer complaints against insurance companies and producers. Source
Free enrollment help in Missouri
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- Grain Valley, MO 22 miles
- Liberty, MO 24 miles
- Independence, MO 24 miles
- Blue Springs, MO 24 miles
- Gladstone, MO 32 miles
- Raytown, MO 33 miles
- Kansas City, MO 33 miles
- Lee's Summit, MO 33 miles
- Smithville, MO 33 miles
- Greenwood, MO 35 miles