Missouri small business benefits

Group Health Insurance in Missouri for Small Businesses

We are an independent Missouri benefits broker. At renewal we quote your group with the carriers that write Missouri small groups among our 29 and meet you in person, by video or by phone.

Kansas City, Columbia, Blue Springs and Joplin are markets we serve. If a renewal letter is on your desk, call.

Our Missouri office

2027 rates

Missouri Small Group Rates for 2027

The Missouri Department of Commerce and Insurance (DCI) released preliminary 2027 rates on July 31, 2026. The Department says four insurers will offer small group plans off the exchange in 2027, and final rates are expected by October 31, 2026, so the figures below are preliminary.

Preliminary 2027 small group increases from the carriers’ rate review filings, as reported by The Beacon on August 6, 2026:

15.58%

Blue Cross and Blue Shield of Kansas City

14.56%

Healthy Alliance Life (Anthem)

12.61%

Medica

17.23%

UnitedHealthcare

These are the carriers’ filings. They are not a list of the carriers CPIS works with. A filing is an average across a carrier’s book, so your own renewal letter is the number that matters. Our group health insurance renewal guide shows what to check in it.

Your options

What You Can Change at Renewal

How much should the business contribute?

What share of the employee premium does the business pay?

Does the network fit?

Do the plan’s doctors and hospitals fit where your employees live?

Is the deductible right?

Would a higher deductible for a lower premium suit your group, or the reverse?

Would another carrier price it differently?

Does another of the carriers writing Missouri small groups price the same group differently?

Missouri rules

Who Counts as a Small Employer in Missouri

Source: Missouri Department of Commerce and Insurance, Bulletin 15-04 (2015), the Department’s informational guidance on small employer size.

The average over a year

A small employer averaged at least 2 and no more than 50 eligible employees over the prior calendar year.

The first day of the plan year

The employer also needs at least 2 employees on the first day of the plan year.

What to count before you call

Your average number of eligible employees across last calendar year, and how many employees you will have on the first day of your plan year.

What CPIS does

Small Business Health Insurance in Missouri, With an Office in Columbia

Champion’s Pride Insurance Services is an independent employer benefits brokerage, founded in 1997 and American owned and operated. Each renewal starts from one employee census. We request quotes from the carriers that write Missouri small groups among our 29 and set them out side by side. Lee’s Summit, Independence and Liberty are among the Missouri markets we serve.

Our office is in Columbia, and Missouri employers can meet us face to face. Our team page lists Missouri-based members, including Tim Williams in Blue Springs, Justin Kelly in Carrollton and Dave Randalls in Butler. See also our group health insurance overview and the areas we serve.

Many Kansas City area businesses have employees on both sides of the state line. If most of your employees work in Kansas, our Kansas guide covers that state’s rules instead.

Four things we do for you

Gather one employee census from you, so you complete it just once
Request quotes from the carriers that write Missouri small groups among our 29
Set premium, deductible, network and the effect on your employees next to each other
Do the paperwork for you, whether your group changes carriers or stays

Switching at renewal

Switching Your Missouri Group at Renewal

Four steps, in short. The group health insurance renewal guide has the full timeline.

Step 1

Read the letter

Find the new rate, any plan changes and the date your carrier needs your answer.

Step 2

Call us

Phone us with the letter in hand. A CPIS benefits specialist will tell you what we need to start quotes.

Step 3

Sign and send

One page, the broker-of-record letter, names CPIS as your broker. Once carriers have it, they will quote your group and talk with CPIS about it. It does not change your plan on its own. Send your census with it.

Step 4

Compare and enroll

We bring you the quotes side by side. Your carrier sets the date your enrollment paperwork is due before your new plan year starts. Ask us for it.

Beyond health

Other Group Benefits for Missouri Employers

CPIS also handles these lines for employers. Each has its own page with the details, linked here.

Our other lines

Ready when you are

What Happens When You Call

Call Monday to Friday, 8 AM to 8 PM, and a CPIS benefits specialist answers. Missouri employers can ask on that call about meeting us.

Looking at another state? See our guides for Kansas and Idaho employers, or read the renewal guide.