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.
These are three of Minnesota’s biggest health insurers, and they’re genuinely different — in network, price, and how they deliver care. There’s no single “best,” only the best fit for your doctors and budget. As an independent broker we represent all three (and others), so here’s the honest comparison, then we’ll match you for free.
It’s tempting to pick the most familiar name or the cheapest premium and call it done. But the carrier that’s perfect for your neighbor can be wrong for you — it all hinges on whether your doctors are in the network and how you like to get care.
We don’t favor any of them. We line them up against your situation and tell you which fits.
| Blue Plus (Blue Cross MN) | HealthPartners | Medica | |
|---|---|---|---|
| Network style | Broadest flexibility; the only PPO on MNsure, with out-of-network coverage and a national network for travel | Integrated system with its own clinics and hospitals; lowest cost when your providers are in its network | Broad statewide network; now also serves former UCare individual & family members |
| 2026 individual rate change | about +18.7% | about +13% to +19% | about +30.8% |
| Relative Silver premium | Higher (example ~$545/mo, age 40) | Lowest of the three (example ~$379/mo, age 40) | Higher end |
| Quality rating (MNsure/CMS) | ~4 stars, strong member experience | ~4.5 stars (highest of the three) | ~3.5–4 stars |
| Often the best fit for | Network flexibility, multiple health systems, travel, out-of-network access | Lowest cost plus coordinated care, if your doctors are in-network | A broad network and former UCare members continuing coverage |
Rate changes from the Minnesota Department of Commerce; quality ratings from MNsure/CMS; premium examples reflect 2026 Minnesota marketplace data for a 40-year-old at the Silver tier and vary by age, county, and plan.
The largest and most flexible. Blue Plus is the only PPO on MNsure, so it offers out-of-network coverage, and the national Blue network is a real plus if you travel or see providers across several systems. Premiums tend to run higher for that flexibility.
Unusual in that it’s both an insurer and a care system with its own clinics and hospitals. That integration often means the lowest premiums and the highest quality ratings — as long as your doctors are in its network.
A broad, established statewide network. Medica also took over UCare’s individual & family plans after UCare’s December 2025 rehabilitation, which is part of why its 2026 increase was the steepest of the three.
Tell us your doctors and prescriptions and a licensed Minnesota agent will check all three carriers (and the others) for the best fit and price.
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.
