Serving St. Louis City and St. Louis County
Group health insurance in St. Louis
Big hospital systems, a workforce on both sides of the river, and three carriers filing double-digit 2027 increases. We help St. Louis employers find the plan that fits their people and their budget.
St. Louis employers face a market shaped by a few very large health systems. BJC Health System, SSM Health and Mercy each run hospitals and clinic networks across the region, and carrier networks are built around them. Pick a plan without checking, and an employee can find out at their first appointment that their doctor is out of network. Group Health Missouri is an independent broker that compares every carrier writing group coverage in St. Louis City and St. Louis County, checks networks against your team, and handles setup at no cost to your business.
Networks come first in St. Louis
Because so much care in the region runs through a handful of systems, the network question often matters more than the premium. A narrower plan built around one system can save money when your employees already use that system. It can be a poor fit for a team spread from St. Charles to South County, or for employees in the Metro East who see doctors in Illinois. We ask where your people live and get care before we compare prices, then show you plans that actually work for them.
2027 small group rates in the St. Louis area
Anthem Blue Cross and Blue Shield, the Blue plan for the St. Louis region, proposed a 14.56 percent average small group increase for 2027. UnitedHealthcare proposed 17.23 percent and Medica 12.61 percent. Plan-level changes range wider than those averages. The full filing comparison, including 2026 finals, is on our 2027 rate change page.
Who we help in St. Louis
The region's big names are household brands: health systems, Washington University, Centene, Edward Jones, Emerson, World Wide Technology, Enterprise and Anheuser-Busch. The businesses we work with are the thousands of smaller companies around them, including suppliers and contractors, law and accounting firms, tech startups in Cortex and downtown, family manufacturers, restaurants, and medical practices. Teams of 2 to 50 eligible employees fall under small group coverage. Past that, large group plans open up funding choices like level funding and self-funding.
What working with us looks like
- A short call or the quote form to collect headcount, ZIP codes and your renewal.
- Side-by-side quotes from every carrier that fits, with networks checked against your team.
- Contribution modeling so you know the monthly cost before deciding.
- Enrollment, employee questions, and a re-shop of the market before each renewal.
Not sure which plan style suits a spread-out team? Our plan types guide compares PPO, HMO and HSA plans. When you are ready, request a free quote or call 816-555-0100.
FAQ
St. Louis group health questions
Does it matter whether my business is in St. Louis City or St. Louis County?
Your rate depends on your rating area, which follows your business location. St. Louis City and St. Louis County are separate jurisdictions, so we price your group from your actual address rather than guessing. For most employers the bigger question is which hospital systems the network includes.
Some of our employees live in Illinois. Can they be on a Missouri plan?
Yes. A St. Louis business buys a Missouri plan, and employees who live in the Metro East can enroll. Before choosing, confirm that the network includes the Illinois doctors and hospitals they use. Some plans cover them well and some do not.
Which carriers write small group plans in St. Louis?
For 2027, Anthem Blue Cross and Blue Shield, Medica and UnitedHealthcare filed ACA small group rates that apply in the St. Louis area. Level-funded plans from other carriers can also be an option for healthier groups.
Is BJC or SSM Health in network?
It depends on the plan, not just the carrier. A single carrier can sell one plan built around one system and another plan with a broader network. Give us a list of the hospitals and doctors your team uses and we will check each plan.
Can you help a group with more than 50 employees?
Yes. Larger St. Louis employers are rated on their own claims history and can look at level-funded or self-funded plans. See our large group page for how we approach those renewals.
Ready to compare plans for your St. Louis team?
Send us your renewal or tell us about your team. We compare the carriers writing Missouri small group plans and come back with real numbers. No cost, no obligation.