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Best Health Insurance Agencies in Duluth, MN

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Duluth Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1588Reviewed

955Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

434-B North 57th Avenue West, Duluth, MN 55807
WebsiteLicense: 1014081

Expertise.com Rating

Why choose this provider?

Benes Insurance is an independent agency catering to residents and businesses in Duluth. The full-service insurance agency offers a range of health care products, including individual health insurance, long-term care plans, and Affordable Care Act policies. Medicare plans are also available. Additionally, it provides life insurance and coverage for homeowners, automobiles, boats, and businesses. The staff at Benes Insurance has more than 40 years of combined experience in the industry. The brokerage also offers risk management options to policy buyers in Wisconsin.

  • Health Insurance

425 West Superior Street Suite 1060, Duluth, MN 55802
WebsiteLicense: 40487219

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

Blue Cross Duluth Center is a health insurance agency serving individuals and families in the metro and the surrounding areas in Minnesota for over 85 years. The company provides health care programs including dental, vision, international health, Medicare, and employer-provided plans. The agency started in 1933 and became the first prepaid health care network in the country. It has been committed to improving health care in communities and has over 2.5 million members in 50 states and four continents.

  • Health Insurance

215 North Central Avenue, Duluth, MN 55807
WebsiteLicense: 20298600

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Review Sources

Facebook
5.0 (10)
Google
5.0 (8)

Why choose this provider?

Solutions Insurance Agencies is an independent insurance agency that serves clients in Duluth. It offers various healthcare, group dental, and group short-term and long-term disability plans from several insurance companies that include Liberty Mutual, Travelers, and Acuity. In addition, clients can also avail themselves of insurance products that cover their motorcycles, employee benefits, properties, and commercial liabilities. Company president Tom Bergum established Solutions Insurance in 2001. Its staff has more than 200 years of combined experience in the insurance industry.

  • Life Insurance
  • Health Insurance

5713 Grand Avenue, Duluth, MN 55807
WebsiteLicense: 7622

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Holden Duluth Agency, Inc. is an independent insurance company founded in 1931. It offers health insurance for dental, vision, disability, and long-term care. As an independent agency, it puts its clients' best interests first and allows them to choose the most suitable carrier according to their needs. It has established long-term relationships with various insurance carriers, including AAA Wisconsin, CNA Surety, Kemper, Secura, and Acuity Insurance. A client relayed that an agent gave honest and non-biased advice on the best options for insurance coverage.

  • Health Insurance

6630 Grand Avenue Suite 105, 55807, MN Duluth
WebsiteLicense: 40272701

Expertise.com Rating

Review Sources

Google
5.0 (88)
Facebook
5.0 (60)

Why choose this provider?

Nate Kahring is a State Farm insurance agent that has been serving Duluth since 2017. He and his team help individuals, families, and senior citizens in choosing from a wide range of health insurance coverage options based on their needs and preferences. They educate clients about the available coverages such as supplemental health, Medicare supplement, and individual medical coverages. In addition to providing tailored insurance plans, Kahring's office also assists in relocations around Minnesota and Wisconsin.

  • Life Insurance
  • Health Insurance

2631 W Superior Street, Duluth, MN 55806
WebsiteLicense: 97

Expertise.com Rating

Review Sources

Google
4.7 (9)
Facebook
5.0 (3)

Why choose this provider?

Cartier Agency has been providing personal and commercial insurance products to individuals in Duluth since 1979. It offers group health insurance that covers the increasing cost of medical services and prescription drugs. It also has plans for life, dental, disability, vision, and long-term care insurance. The agency engages with multiple package carriers to find coverage with suitable premiums. Its other products include farm, contractor, restaurant, and manufacturing insurance. It represents Acuity and Met Life insurance companies.

  • Group Plans
  • Health Insurance

803 Carlton Avenue, Cloquet, MN 55720
WebsiteLicense: 20571817

Expertise.com Rating

Review Sources

Facebook
4.4 (7)

Why choose this provider?

Reliable Insurance Agency is an independent business that caters to clients of all ages in Duluth. It can compare and analyze the quotes of multiple health insurance carriers, such as Metlife and Progressive. The agency explains to clients the various health insurance coverage options that include details about hospice care, ambulance rental, terminal illness coverage, and prescription and supplement plans. Reliable Insurance Agency's president Steve Micke is a certified insurance counselor who used to work for Nationwide.

  • Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Benes Insurance
434-B North 57th Avenue West, Duluth, MN 55807
Blue Cross Duluth Center
425 West Superior Street Suite 1060, Duluth, MN 55802
Solutions Insurance Agencies
215 North Central Avenue, Duluth, MN 55807
Holden Duluth Agency, Inc.
5713 Grand Avenue, Duluth, MN 55807
Nate Kahring
6630 Grand Avenue Suite 105, 55807, MN Duluth
Cartier Agency
2631 W Superior Street, Duluth, MN 55806
Reliable Insurance Agency
803 Carlton Avenue, Cloquet, MN 55720

FAQs

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Can you get health insurance in Duluth on the MNsure Marketplace if you already have employer coverage?

    Yes, but don't cancel your employer-sponsored insurance in Duluth yet. You should wait for the open enrollment period to get the MNsure health plan. Employer coverage does not disqualify you from getting a plan through MNsure, but you might not qualify for financial assistance like tax credits if you have ESI.

  • Are there health insurance options available for low-income residents of Duluth?

    Yes, the MNsure insurance marketplace offers health plans for low-income residents through the Medical Assistance and MinnesotaCare programs. The publicly funded MA program has health plans for children, seniors, pregnant women, disabled individuals, and adults without kids. It also provides no-cost health plans for some individuals. The MinnesotaCare program offers health plans in Duluth with monthly premiums limited to only $80 per individual.

  • Do you need a referral every time you visit a specialist you must see regularly in Duluth for your health insurance plan to cover the costs?

    If you need to see a specialist regularly, you can request a standing referral with the help of your physician. Minnesota Statutes 62Q.58 requires health plan companies to have a procedure allowing enrollees to obtain a standing referral. If the Duluth specialist you are seeing is a gynecologist or obstetrician within your plan’s network, referrals for the visits would not be needed. This is stipulated under Minnesota Statutes 62Q.52.

  • How long can your child stay on your health insurance plan in Duluth?

    Children can remain covered under your health plan until their 26th birthday, regardless of whether they're no longer financially dependent on you, living with you, or no longer in school. Children already married can also stay under your health plan in Duluth until they turn 26. The Affordable Care Act established these conditions in September 2010.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.