Running your own business in St. Louis brings freedom—but also responsibility, especially when it comes to healthcare.When you work for yourself, there’s a good chance you’re handling 100% of your health insurance expenses. And if you’re trying to budget for it, you may be wondering: how much is this going to cost me each month?

Let’s walk through the numbers, the variables that shape them, and how to find help that makes sense.

Average Health Insurance Costs in St. Louis (If You’re On Your Own)

There’s no exact number because health insurance isn’t a one-size-fits-all deal. But here’s a real-world snapshot:

• Bronze plans — These are lower-cost each month, but come with higher deductibles. Expect to pay about $350–$450 per month.
• Silver plans — A moderate option for people who want decent coverage but still need to watch costs. Average around $450–$600/month.
• Expect to pay more up front with a gold plan, but you’ll likely spend less when it’s time to use your benefits. Think $600–$700/month.

And if you’re covering your spouse or kids, be ready to double those figures—or more.

Why Costs Vary So Much

Even if two people live in the same zip code, their plans might cost very different amounts. That’s because premiums are based on a mix of:

• Age — The older you are, the more you’ll likely pay.
• Income — Qualifying for subsidies can cut your costs dramatically.
• Smoking — Tobacco use still affects your premium in Missouri.
• Location — Within the city, you might find more options than in smaller towns.
• Plan type — PPOs and HMOs come with different rules and price tags.

Turning 65 Soon? Don’t Miss This Step

If you’re self-employed and nearing Medicare age, your choices expand—but so do the questions. Many self-employed St. Louisans find that Medicare offers broader coverage at a lower cost than marketplace plans. The trick is understanding how all the parts and plans work.

That’s where working with an independent Medicare insurance broker can make a major difference. They don’t just represent one provider—they compare options across the board to help you find what fits.

Need Guidance? Start Local

This isn’t something you need to figure out by yourself. Our Team at Senior Advisors helps real people every day—not just retirees, but also small business owners, independent contractors, and those in between.

You’ve probably searched for Medicare solutions near me or tried comparing plans online, only to hit a wall of confusing terms and pricing. We get it. That’s why we offer local, one-on-one help.

No-Pressure Conversations, Real Advice

When you reach out to us, it’s not about a hard sell. You can Schedule On Us—a no-cost meeting where we go over your needs and look at your options. Nothing pushy, just clarity.

Our Services are built around real conversations, tailored plans, and honest advice. As trusted Medicare consultants, we’ve helped people across the St. Louis area find coverage that works for their life, not someone else’s idea of what they should need.

Case Study: Supporting St. Louis’s Self-Employed with Health Coverage

Missouri Senior Advisors works closely with self-employed individuals in St. Louis to simplify the process of choosing health insurance or Medicare coverage.

Their licensed experts offer free consultations to help explain monthly premiums, plan options, and available subsidies.

Because they understand local healthcare networks, they help clients choose plans that align with preferred doctors and facilities.

As independent brokers, they provide unbiased guidance across multiple carriers, including Medicare Advantage and supplement plans.

This one-on-one support gives self-employed Missourians confidence in their decisions—without pressure, confusion, or sales pitches.

Final Thought

Self-employed health insurance in St. Louis isn’t cheap, and it’s not simple. But with the right information and someone in your corner, it becomes manageable.

Don’t guess your way through it. Talk to Missouri Senior Advisors, and we’ll help you understand what’s out there, what it costs, and how to move forward confidently.