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.
If you don’t get coverage through an employer, the choice is on you — and it’s a big one. We compare individual and family plans across carriers and through MNsure, check that your doctors and prescriptions are covered, and find the subsidy you’re owed. Free to you, no pressure.
Without an HR department to lean on, you’re left comparing deductibles, networks, and metal tiers on your own — and hoping you didn’t miss something that matters. We do that comparison for a living.
Tell us who needs coverage and who your doctors are, and we’ll bring back real options with the real price after any subsidy.
Individual and family plans are ACA-compliant major medical coverage you buy for yourself rather than through a job. They’re sorted into metal tiers — Bronze, Silver, and Gold — that trade monthly premium against out-of-pocket costs: Bronze is the cheapest each month but has the highest deductible, Gold is the reverse. You can buy through MNsure (the only place to use a subsidy) or directly from a carrier off-exchange.
All of these plans cover the essentials — doctor visits, hospital care, prescriptions, preventive care, mental health — so the real differences come down to network, drug formulary, and total cost for how you actually use care.
Whether you qualify for a premium tax credit changes your real cost more than any other single factor — and you can only use one by enrolling through MNsure. We’re certified MNsure assisters, so we check your eligibility and handle that enrollment with you.
One important 2026 change: the enhanced federal tax credits in place since 2021 expired at the end of 2025. Subsidies didn’t vanish — the regular credit still exists for households between 100% and 400% of the federal poverty level — but the amounts are smaller and the income cliff is back. That’s exactly why this is the year to recheck your own number instead of assuming last year’s applies.
Send a few basics and a licensed Minnesota agent will reach out with real options, subsidy included.
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.
