Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Duluth

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.

1588

Reviewed

955

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
434-B North 57th Avenue West, Duluth, MN 55807
  • Health Insurance

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.

License Verified:

License: 1014081

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2631 W Superior Street, Duluth, MN 55806
  • Group Plans
  • Health Insurance

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.

License Verified:

License: 97

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (9)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
803 Carlton Avenue, Cloquet, MN 55720
  • Health Insurance

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6630 Grand Avenue Suite 105, 55807, MN Duluth
  • Life Insurance
  • Health Insurance

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.

License Verified:

License: 40272701

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (88)
Facebook
5.0 / 5 (60)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
215 North Central Avenue, Duluth, MN 55807
  • Life Insurance
  • Health Insurance

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.

License Verified:

License: 20298600

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5713 Grand Avenue, Duluth, MN 55807
  • Health Insurance

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.

License Verified:

License: 7622

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (11)
Facebook
5.0 / 5 (6)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
425 West Superior Street Suite 1060, Duluth, MN 55802
  • Health Insurance

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.

License Verified:

License: 40487219

The Minnesota Department Of Commerce Licensing Unit

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)
Yelp
5.0 / 5 (1)

Frequently Asked Questions

  • 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.

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