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.
It’s the question we hear most, and the answer surprises people: working with a broker like Options.Health costs you nothing. The plan is the same price whether you use us or buy it yourself. Here’s exactly how that works — and what you get out of the deal.
It’s a fair instinct — free help usually isn’t. But broker compensation in insurance works differently than most services, and once you see how, the “catch” disappears.
We’d rather explain it plainly than have you wonder.
Insurance carriers build a commission into every plan’s premium to cover distribution, whether that plan is sold by an agent or bought directly online. When you work with a broker, that built-in commission goes to the broker. When you buy direct, the carrier keeps it. Either way, the premium you pay is the same.
That’s the whole mechanism. There’s no separate invoice from us, no markup added to your premium, and no “broker version” of the plan that costs more. Rates for individual health, Medicare, and most other coverage are filed and regulated, so a carrier can’t legally charge you more for using a licensed agent.
We compare carriers and plans against your doctors, prescriptions, and budget — instead of you doing it one site at a time.
We represent multiple carriers, so we can recommend the right fit rather than the only thing we sell.
When a claim, a renewal, or a life change comes up, you call us — not a 1-800 queue.
Send a few basics and a licensed Minnesota agent will compare your options at no cost. No fee, no obligation.
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.
