MHIP State Pool Premiums


Printer-friendly State Pool Plans and Premiums - This will open in a new window.

The MHIP state pool requires a monthly premium, which varies according to the plan selected, and the age and gender of the enrollee. Premiums can be billed and paid monthly or quarterly. Premiums can also be automatically deducted from the enrollee's bank account. Premiums cover about 60 percent of MHIP's cost to provide benefits. The remainder of that cost is funded by an assessment of all health insurers and HMOs that do business in Missouri.

By law, MHIP must set premiums within a range of 125 percent to 200 percent of the average rates charged for comparable major medical coverage by the five insurers with the largest shares of the Missouri individual health insurance market.

MHIP's state pool offers five plans. All plans offer comprehensive medical coverage and a prescription drug benefit. The plans vary only by deductible and annual out-of-pocket maximum. Visit State Plan Options for more information.

  Age Group Plan I Plan II Plan III Plan IV Plan V - HDHP
Male Female Male Female Male Female Male Female Male Female
0-17 $280 273 213 208 169 165 136 133 169 165
18-29 410 762 316 595 247 474 192 340 247 474
30-39 517 895 403 693 313 539 248 409 313 539
40-44 675 961 537 776 422 607 332 463 422 607
45-49 805 1,062 641 857 508 665 404 538 508 665
50-54 989 1,154 792 950 623 754 491 608 623 754
55-59 1,252 1,291 1,009 1,070 789 856 619 702 789 856
60-64 1,557 1,462 1,247 1,205 956 941 765 775 956 941
65-69* 1,925 1,689 1,543 1,392 1,028 1,033 812 858 1,028 1,033
70-74* 2,390 2,068 1,910 1,702 1,275 1,264 1,007 1,049 1,275 1,264
75-79* 2,889 2,506 2,311 2,064 1,542 1,534 1,218 1,396 1,542 1,534
80-84* 3,304 3,043 2,640 2,502 1,764 1,862 1,392 1,545 1,764 1,862
85 or older* 3,615 3,417 2,893 2,812 1,932 2,092 1,527 1,734 1,932 2,092

* The Missouri statute creating MHIP specifically states that a person eligible for Medicare Parts A and B is not eligible for coverage through MHIP. Since there are circumstances in which a Missouri resident is 65 or older and not eligible for Medicare, MHIP does offer coverage for people who are 65 or older.

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Apply for MHIP Coverage

Applications accepted until 11-15-13.

It's easy to apply for MHIP coverage. We've put together a simple checklist to help you get all your information in order.

Go to the Apply Now Checklist Page for information and helpful links.

Download the MHIP Application.

Need help with your application?
Call us at 800-821-2231.

Appeals and Grievances

Appeals and Grievances should be filed in accordance with State Pool Certificate of Coverage (page 45).

State Pool Certificate of Coverage

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