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How To Find Affordable Health Insurance As of March 2020, nearly two thirds of Missourians are covered by private health insurance coverage from their employer. Only nine percent are uninsured. This is good news for insurance holders. However, more uninsured citizens leads to higher insurance rates for insured citizens. Missouri is one of only a few states that do not require employers to offer insurance to their employees. They must instead require their employees to purchase it separately. The Missouri Department of Insurance and the Missouri State Employee