Before subsidies, the benchmark silver plan for a 40-year-old in St. Louis County cost about $532 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. 5 insurers offered marketplace plans in St. Louis County for 2026.
Employee benefits brokers in the St. Louis area help businesses of 1 to 50 employees choose group plans, handle renewals and answer employee questions. The 10 firms below are closest to St. Louis, MO.
Small Business & Group Health Insurance Brokers near St. Louis
Licensed agents can compare plans available in St. Louis County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Local health care in St. Louis
- SSM Health, which runs SSM Health Saint Louis University Hospital and Cardinal Glennon Children's Hospital, and Mercy, with Mercy Hospital St. Louis and Mercy Hospital South, are St. Louis networks worth checking in a plan's provider directory before you enroll. Source
- The independent City of St. Louis is served by the City of St. Louis Department of Health, which runs public health programs for city residents. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
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.
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.
Do 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.
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.
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.
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.
Small business in nearby cities
- Lemay, MO 7 miles
- Olivette, MO 8 miles
- St. John, MO 8 miles
- Overland, MO 8 miles
- Glendale, MO 8 miles
- Bellefontaine Neighbors, MO 8 miles
- Ferguson, MO 8 miles
- Berkeley, MO 9 miles
- Crestwood, MO 9 miles
- Granite City, IL 9 miles