Before subsidies, the benchmark silver plan for a 40-year-old in Ray County cost about $645 a month for 2026, and the Missouri average for 2027 is $675 a month. Premium tax credits bring that down for many households, depending on income and family size. 4 insurers offered marketplace plans in Ray County for 2026.
Employee benefits brokers in the Richmond area help businesses of 1 to 50 employees choose group plans, handle renewals and answer employee questions. The 10 firms below are closest to Richmond, MO.
Small Business & Group Health Insurance Brokers near Richmond
Licensed agents can compare plans available in Ray County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Do I need a minimum number of employees?
Small-group rules vary by carrier and state. Many carriers write group plans for businesses with as few as one or two employees besides the owner; a broker can tell you what's available in Missouri.
Options for small employers
Traditional small-group plans, level-funded plans, ICHRAs (employees buy individual plans with tax-free employer money) and QSEHRAs for businesses under 50 employees.
Self-employed with no employees?
Group plans usually need at least one non-owner employee. Solo owners typically buy individual coverage, often with a premium tax credit.
Frequently asked questions
Do benefits brokers charge employers?
Most are paid commissions by the insurer. Some charge consulting fees for larger groups or extra services; ask before you sign.
How much does small business health insurance cost in Missouri?
Premiums depend on employee ages, location, plan design and how much the employer contributes. A benefits broker can quote several carriers and funding options side by side.
What is an ICHRA?
An individual coverage HRA lets an employer give employees tax-free money to buy their own individual health plans. It works for businesses of any size.
Small business in nearby cities
- Smithville, MO 33 miles
- Greenwood, MO 35 miles
- Cameron, MO 35 miles
- Pleasant Hill, MO 36 miles
- Warrensburg, MO 38 miles
- Roeland Park, KS 39 miles
- Grandview, MO 40 miles
- Parkville, MO 40 miles
- Mission, KS 40 miles
- Prairie Village, KS 41 miles