In need of assistance? We are here to help.  Click on a service that you would like more information about. 


If you do not find your answers or want more information about your question call 

Heartland Health Insurance Navigator Program at 660-665-8314 

Or Email heartlandnavigators @




You can create an account online though the Marketplace website at Once you provide an email address and some information about yourself, you'll get an email invitation to the Marketplace site and can get started!  You can also call the Marketplace or get help from your local Heartland Health Insurance Navigators at 201 N. Elson in Kirksville, MO to set up an account.


If you live out of our area and would like to locate a Navigator closer to your location please click here for locations.


If you are enrolled in a 2017 Marketplace plan, your benefit year ends December 31, 2017. To continue health coverage in 2018, you can renew your current health plan or choose a new health plan through the Marketplace during the 2018 Open Enrollment period.


If you don’t have health coverage during 2017, you may have to pay a fee. The fee in 2017 is higher than it was in 2016 —In 2017 the fee is 2.5% of your income or a flat fee that is adjusted for inflaction, whichever is more.


Some consumers  have been notified by the Marketplace via mail, email or by phone reminding them that they need to provide supporting documentation to resolve any remaining issues with their application as soon as possible.


The reminder notices state that consumers will have an additional 30 days from the receipt of notice to provide information.


Not sure of what you need to send or where to send it or the what is the best way to get it there?  Give Heartland Health Insurance Navigators a call at 660-665-8314. They can assist you with understanding what documents you need to send, upload the document/s to your online account or let you know where you need to send it to.



The Federally-facilitated Marketplace (FFM) will be offering health coverage in Missouri in 2016. The FFM will make assessments of Medicaid/CHIP eligibility and then transfer the applicant’s account to the state agency for a final eligibility determination. Missouri is not expanding Medicaid coverage to low-income adults effective January 1, 2014. To read the full report on the economic impact of Medicaid expansion in Missouri click here


You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time. There is no limited enrollment period for these programs. You can apply any time. If you’re qualified, you can enroll immediately. Click here to see if you may qualify for one of these programs.






Need help with your taxes? Click on this link   to find free local help in your area.


If you own or operate a small business, you can start offering coverage to your employees at any time. You can enroll in SHOP throughout the year. The deadline to enroll is always the 15th of the month for coverage to be effective the 1st of the following month.


Click here for more information on SHOP coverage in the Marketplace.


Open Enrollment period for 2017 coverage will begin November 1, 2016 and will close January 31, 2017. 


You may buy Marketplace insurance outside Open Enrollment only if you qualify for a Special Enrollment Period (SEP) due to a qualifying life event such as marriage, birth or adoption of a child, or loss of other health coverage.  Give Heartland Health Insurance Navigators a call to see if you qualify for an SEP.

For a complete detailed list about SEP's Click here.  Or Click here to watch a short video about SEP's.







LET'S TALK: 660-665-8314
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This project was supported by Funding Opportunity Number CMS-CA-NAV-19-001 from the U.S. Department of Health and Human Services, Centers for Medicare and Medicaid Services. The contents provided are solely the responsibility of the authors and do not necessarily represent the official views of HHS or any of its agencies.

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