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.
Being your own boss means being your own benefits department — and footing the whole premium. The good news: self-employed Minnesotans have more options (and often more help) than they realize. Here’s how to find the best fit, including a subsidy many freelancers don’t know they qualify for. We’ll do the legwork free.
Without an employer plan, you’re comparing networks, deductibles, and tiers on your own while running a business — and paying 100% of the premium. It’s a lot, and it’s easy to either overpay or miss help you’re entitled to.
We specialize in exactly this: matching self-employed folks to the right plan and the right subsidy.
For most self-employed people this is the core option. Premium tax credits are based on your net self-employment income, and many freelancers qualify for meaningful help — only available through MNsure.
If your income is above the subsidy limit, buying direct can open up additional plans and networks. We compare these against marketplace options.
Pairing a qualifying high-deductible plan with a Health Savings Account gives the self-employed a triple tax advantage — a powerful tool if you’re relatively healthy.
If your spouse has employer coverage, joining their plan is sometimes the best value. We’ll help you compare it against going your own way.
Because subsidies are based on your expected income, estimating it well is half the battle for the self-employed — too high and you overpay monthly, too low and you may owe at tax time. We help you build a reasonable estimate and adjust it as your year unfolds.
There’s also the self-employed health insurance deduction, which can let many self-employed people deduct their premiums on their taxes — a real saving on top of any subsidy. We’re not tax advisors, so we’ll flag it and suggest you confirm the details with your tax professional.
Send a few basics and a licensed Minnesota agent will compare your options and check the subsidy your self-employment income qualifies for.
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.
