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2024

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Best Health Insurance Agencies in Rochester, MN

Our Recommended Top 12

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 Rochester 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.

2118Reviewed

1275Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1811 Greenview Pl SW Ste 101, Rochester, MN 55902
WebsiteLicense: 40748592

Expertise.com Rating

Why choose this provider?

Pat Downs Insurance Agency serves the health protection plan requirements of clients in Rochester and the surrounding communities. The owner, Pat Downs, is a health insurance agent who focuses on policies covering Medicare Supplements, and drug and advantage plans. She represents a wide range of health insurance carriers in the country, such as Humana, SilverScript, and Aetna. Pat aims to provide each client with personalized service and advice, including helping them find a health plan that suits their needs and budget.

  • Health Insurance
  • Medicare

6932 Mesabi Ct NW, Rochester, MN 55901
WebsiteLicense: 9280

Expertise.com Rating

Why choose this provider?

Susan Stenzel provides financial security solutions to individuals and families in the Rochester metro. She processes Medicare Supplement health insurance plans to protect clients from monetary losses caused by medical-related expenses. She also furnishes universal, term, and whole life insurance coverages. The insurance specialist serves as a board member of the Catholic United Financial, a non-profit company that has been in the industry for over 140 years. Stenzel is a Life Underwriter Training Council Fellow and a Chartered Financial Consultant.

  • Medicare Supplement Insurance
  • Individual Plans

1530 Greenview Dr SW, Ste 203, Rochester, MN 55902
WebsiteLicense: 20295196

Expertise.com Rating

Why choose this provider?

Med City Medicare is a family-operated, local company that serves individuals and families in the Rochester metro and its surrounding areas. The firm focuses on assisting seniors with their health insurance decisions. It works with different providers, including Aetna, Humana, Medica, and Blue Cross Blue Shield for Medicare Advantage, Supplement, and Part D prescription plans. These products add value to the government-sponsored health care program. The company also offers plans that cover dental, vision, and hearing coverage.

  • Medicare Supplements
  • Medicare
  • Medicare Advantage Plans

1811 Greenview Pl SW, Rochester, MN 55902
WebsiteLicense: 1014132

Expertise.com Rating

Why choose this provider?

Supplement Plans Agency is an independent insurance firm that serves clients in Rochester. It provides Medicare supplements, Medicare Advantage Plans, and Part D Rx. The agency also offers short-term and long-term health insurance products from a wide range of providers such as Humana, Medica, UnitedHealthcare, and Aetna. The agency's insurance professionals, Connie Abernathy-Ness and Bridget Dahle, have 60 years of combined experience in helping clients choose health insurance plans that are congruent to their goals, budget, and needs.

  • Health Insurance

1610 14th Street NW, Suite 205, Rochester, MN 55901
WebsiteLicense: 40725817

Expertise.com Rating

Review Sources

Google
5.0 (12)

Why choose this provider?

Health Insurance Advisors, LLC, is an independent agency that caters to the needs of clients in Rochester and its neighboring communities. It offers a wide range of insurance policies, including health, dental, long-term care, annuities, and disability plans. The company also provides pet and travel coverages. Its owner, Jordan Gascoigne, has experience working with seniors as a former nursing assistant. Health Insurance Advisors works with companies such as HealthPartners, Delta Dental, Humana, and UnitedHealthcare.

  • Health Insurance

1903 S Broadway, Rochester, MN 55904
WebsiteLicense: 40125359

Expertise.com Rating

Review Sources

Google
5.0 (300)
Facebook
4.4 (33)

Why choose this provider?

Shawn Christensen is a State Farm insurance agent who serves clients in Rochester. He offers supplemental health, Medicare Supplement, individual medical, and disability insurance policies. Clients are also provided with insurance products for homes, automobiles, properties, and businesses. In addition to personal and business lines of insurance, Christensen also provides annuities and mutual funds. He has been working for State Farm since 2008. Christensen's State Farm office has been voted as the top insurance agency by the Post-Bulletin in 2019 and 2020.

  • Life Insurance
  • Health Insurance

3159 Superior Drive NW Suite 200, Rochester, MN 55901
WebsiteLicense: 20308205

Expertise.com Rating

Review Sources

Facebook
5.0 (30)

Why choose this provider?

Horihan Insurance is an independent agency that serves clients in Rochester. For over 33 years, it has been offering a full range of auto, home, life, health, business, crop, and farm insurance plans designed for individuals, groups, and families. It provides health insurance products from different companies such as Health Partners, Medica, and Humana. The agency's insurance professionals are equipped to assist clients in choosing appropriate health insurance policies based on their unique needs, goals, and financial capacity.

  • Individual Plans
  • Group Plans
  • Health Insurance

605 12th Street SE, Rochester, MN 55904
WebsiteLicense: 20024433

Expertise.com Rating

Review Sources

Google
4.5 (24)

Why choose this provider?

Steve Joswiak provides clients in Rochester access to health insurance plans. For more than 27 years, Steve has offered a broad range of protection plans, including life, auto, home, pet, and business insurance. He also assists individuals who are interested in financial services such as banking and annuities. Steve's goal is to make a difference in the lives of each client by insuring them. He is one of the over 19,000 State Farm insurance agents across the USA.

  • Life Insurance
  • Health Insurance

2048 Superior Drive NW, Suite 100, Rochester, MN 55901
WebsiteLicense: 40318023

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
4.4 (14)

Why choose this provider?

North Risk Partners helps clients in Rochester find individual plans suitable to their preferences and needs. It informs organizations about their options in providing employer-sponsored benefits to retain and attract employees. Its agents assist consumers in navigating through the diverse options of protection coverages such as life, health, home, auto, and farm insurance. In addition, they guide businesses in settling for commercial insurance policies. North Risk Partners is an independent agency that offers surety bonds services and compliance support.

  • Group Plans

1491 Monterey Lane Southwest, Rochester, MN 55902
WebsiteLicense: 40470474

Why choose this provider?

RLH Insurance & Benefits LLC is a Rochester-based independent insurance agency that specializes in a variety of health insurance products. These health insurance products include dental, vision, individual health, and Medicare health plans. The agency can also consult with small and medium businesses regarding employee benefits packages and day-to-day administration. Owner and principal agent Becky Hlebichuk has been working as an insurance professional for over 20 years. Moreover, she currently holds the Registered Health Underwriter and Chartered Benefit Consultant designations.

  • Life Insurance
  • Health Insurance

1016 Civic Center Drive NW, Suite #102, Rochester, MN 55901
WebsiteLicense: 20310239

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Lighthouse Insurance is an agency that offers health insurance policies in Erie and the neighboring areas. It helps clients obtain financial protection in unforeseen health emergencies and guides them in choosing from diverse insurance options in the market. It also provides other insurance plans that cover disability, life, and retirement. Lighthouse Insurance was founded by John G. Ellingson, who has over 50 years of experience in the insurance industry. One of its professionals, David J. Ellingson, specializes in employee benefits.

  • Health Insurance

1027 7th ST N.W., Rochester, MN 55901
WebsiteLicense: 14278007

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Stevenson Insurance, Inc., offers individual health coverage options in Rochester. It provides information that guides clients in deciding which plans to retain for their healthcare needs. The agency informs potential policyholders of the benefits they can get from their plans, such as immunization and hospital expenses. It informs clients about fee-for-service, point-of-service, preferred provider organizations, and health maintenance organizations. Stevenson Insurance also provides auto, homeowners', life, business, and ranch insurance products. It represents various companies like Progressive, Hagerty, Foremost, and Berkeley.

  • Individual Health Insurance

Compare our Top Health Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Pat Downs Insurance Agency
1811 Greenview Pl SW Ste 101, Rochester, MN 55902
Susan Stenzel
6932 Mesabi Ct NW, Rochester, MN 55901
Med City Medicare
1530 Greenview Dr SW, Ste 203, Rochester, MN 55902
Supplement Plans Agency
1811 Greenview Pl SW, Rochester, MN 55902
Health Insurance Advisors, LLC
1610 14th Street NW, Suite 205, Rochester, MN 55901
Shawn Christensen
1903 S Broadway, Rochester, MN 55904
Horihan Insurance
3159 Superior Drive NW Suite 200, Rochester, MN 55901
Steve Joswiak
605 12th Street SE, Rochester, MN 55904
North Risk Partners
2048 Superior Drive NW, Suite 100, Rochester, MN 55901
RLH Insurance & Benefits, LLC
1491 Monterey Lane Southwest, Rochester, MN 55902
Ellingson Insurance Group, LLC
1016 Civic Center Drive NW, Suite #102, Rochester, MN 55901
Stevenson Insurance, Inc.
1027 7th ST N.W., Rochester, MN 55901

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.

  • What are the benefits of using a health insurance agent or broker when shopping for health insurance in Rochester?

    Health insurance agents and brokers possess the expertise necessary to identify a healthcare plan that suits the requirements of Rochester residents. Moreover, they can assist individuals in understanding changes to health insurance regulations. These professionals evaluate policy choices from various insurance providers, resulting in time and cost savings for applicants. They can also provide guidance in selecting among various health plans, such as continuous medical coverage, Medicare Supplement, and short-term coverage.

  • Which government-sponsored programs provide low-cost or no-cost health insurance to people living in Rochester and Olmsted County?

    MNSure and MinnesotaCare, both overseen by the Minnesota Department of Human Services, offer affordable or even free health insurance options for residents of Rochester and Olmsted County. To initiate an online application, individuals are required to collect essential documents, including Social Security numbers, income and employer details for all family members, and the policy numbers for any existing health insurance coverage.

  • What are the Medicare Advantage plans available to residents of Rochester?

    Rochester residents can consider Medica, a local PPO plan with zero premium costs and a maximum out-of-pocket expense capped at $5,500. Another option is UCare, an HMO-POS plan with no monthly premium and a MOOP limit of $5,500, making it a preferred choice for individuals seeking additional fitness and wellness benefits. Blue Cross Blue Shield of Minnesota is a local PPO with a zero-dollar monthly premium and a MOOP cost of up to $4,900 for individual policyholders.

  • Who benefits the most from catastrophic health insurance offered in Rochester?

    Catastrophic health insurance is primarily tailored for young and healthy individuals seeking protection against significant medical costs. In Rochester, it is known for being among the most cost-effective insurance options. This type of health coverage is activated during serious medical emergencies and typically comes with a higher deductible requirement.

  • What are the benefits of Medicare Advantage to people living in Rochester?

    Medicare Advantage, commonly referred to as Medicare Part C, can be obtained through private insurance providers in Rochester. It serves as an alternative to Medicare Parts A and B, providing the choice of adding prescription drug coverage, known as Part D. Medicare Advantage plans feature an annual maximum out-of-pocket cap, and some plans do not even have monthly premiums.

  • 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.