Meet The Team
Real local people on your side
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
Options.Health is the health and Medicare side of Options Insurance, an independent brokerage right here in Chaska. Independent means we don’t answer to any one carrier — we shop them against each other to find what actually fits your doctors, your prescriptions, and your budget. Same price as going direct, with a real local person in your corner.
Shopping for health or Medicare coverage on your own usually means one of three frustrating experiences — and none of them put you first. We started Options.Health to be the fourth option: an independent, local team that’s actually on your side.
When the stakes are your doctors, your medications, and your retirement budget, you deserve more than a sales script.
Options Insurance was started by Tom Wertish on a belief that sounds obvious but reshapes everything: no single insurance company is the best fit for everyone. Different carriers are strong at different things, and different people need different things. The only honest way to serve someone is to shop the whole market and find the right fit — not the only fit.
That idea matters even more in health and Medicare, where one wrong box can drop your doctor or your prescription. So we built Options.Health on the same foundation: independent, educator-first, and local. We’d rather explain the trade-offs and let you choose well than push you toward whatever pays us most — and because carriers pay us the same either way, there’s no reason to do anything else.
We’re not captive to any carrier. We shop the market and recommend what fits you, even when it isn’t the biggest name.
A real office in Chaska and the same people year after year — not a new rep every time you call.
We explain the trade-offs in plain language so you make an informed choice, not just a cheap one.
We check your subsidy eligibility and handle the enrollment paperwork with you, start to finish.
We reach out to review your coverage as plans and your life change — we don’t disappear after you sign.
Carriers pay us, and that’s already baked into the premium — so you pay the same price as going direct.
As an independent brokerage we work across 11 core carrier partners plus specialty markets — including Minnesota names you already know, like Blue Cross Blue Shield of Minnesota, Medica, and HealthPartners. Because we’re not tied to any of them, we can tell you honestly which one fits your situation best instead of selling you the only plan we carry.
The best measure of an independent agency is whether people stick with it. Here’s what Minnesota families and business owners say about working with our team.
Send a few basics and a licensed Minnesota agent will reach out with real options — no pressure, no sales script.
We’ll get back to you within one business day.
No 1-800 numbers and no online quote mills — just licensed Minnesota agents out of our Chaska office who pick up the phone when your plan changes and actually remember your name.
