Mo. Rev. Stat. § 376.1000: Multiple employer self-insured health plan, defined.

1. As used in sections 376.1000 to 376.1045, a "multiple employer self-insured health plan" is any plan or arrangement which is not fully insured and which is either:

(1) Offered by a staff or employee leasing company; or

(2) Established or maintained for the purpose of offering or providing health, dental or short-term disability benefits to employees of two or more employers and to two or more self-employed individuals, each with at least one common-law employee, and their dependents .

2. A plan or arrangement is considered fully insured only if an insurer licensed to transact business in this state retains the ultimate responsibility for all benefits payable by a contract or policy of insurance.