Missouri Health Insurance Regulations

Missouri has limited insurance regulations so it's important to understand them.

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Missouri health insurance laws

Missouri health insurance policies are required to include the following:

  • guaranteed renewability provision
  • exclusion period for pre-existing conditions of no more than 2 years.
  • 31 day coverage for newborns and adopted children

Missouri health insurance regulations

Missouri health insurance companies can:

  • deny you health insurance on the basis of your health
  • charge you higher premiums on the basis of your health

Missouri health insurance companies must:

  • not cancel an existing health insurance policy due to illness.

Other MO health insurance info

For more help, read our health insurance guide.

Or check out our guide to Missouri small business health insurance.


Or check out our guide to Missouri small business health insurance.


For more on MO health insurance, visit the official website of the Missouri Department of Insurance.

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