It may be true, and it may not be true.  Missouri is what is known as an "anti-subrogation" state.  This means that, in general, a health insurance company cannot seek reimbursement out of your Missouri personal injury case. However, there is an exception to that rule, and that exception applies to many, many health plans.  If your health benefits are provided by your employer through a self-funded ERISA plan, then a federal law known as ERISA applies and basically trumps the state's anti-subrogation law.  If you get your health coverage through an employer, then you need the services of a Missouri personal injury attorney to help you determine whether the health plan is truly a self-funded ERISA plan entitled to reimbursement.