The one-time low-income waiver applies to any individual a) whose household adjusted gross income is below one hundred thirty percent of the federal poverty line or a higher threshold to be set by the department of commerce and insurance by rule; or (b) who is enrolled in a state or federal public assistance program including, but not limited to, Temporary Assistance for Needy Families, the MO HealthNet program, or the Supplemental Nutrition Assistance Program. (325.015.1(3) RSMo). To apply for the waiver go to https://insurance.mo.gov/license-fee-waiver-li.php. Please note that you will have to apply on paper if you receive the waiver. The paper application may be found at https://insurance.mo.gov/industry/forms/index.php.