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Best Health Insurance Agencies in Rochester

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2023
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Ellingson Insurance Group, LLC logo
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Ellingson Insurance Group, LLC

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1016 Civic Center Drive NW, Suite #102, Rochester, MN 55901
  • Health Insurance

Business Description

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.

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 (12)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Health Insurance Advisors, LLC logo

License Verified:

License: 40725817

The Minnesota Department Of Commerce Licensing Unit

Health Insurance Advisors, LLC

1610 14th Street NW, Suite 205, Rochester, MN 55901
  • Health Insurance

Business Description

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.

License Verified:

License: 40725817

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 (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
Horihan Insurance logo
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License Verified:

License: 20308205

The Minnesota Department Of Commerce Licensing Unit

Horihan Insurance

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3159 Superior Drive NW Suite 200, Rochester, MN 55901
  • Individual Plans
  • Group Plans
  • Health Insurance

Business Description

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.

License Verified:

License: 20308205

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 (30)

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
Med City Medicare logo
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License Verified:

License: 20295196

The Minnesota Department Of Commerce Licensing Unit

Med City Medicare

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1530 Greenview Dr SW, Ste 203, Rochester, MN 55902
  • Medicare Supplements
  • Medicare
  • Medicare Advantage Plans

Business Description

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.

License Verified:

License: 20295196

The Minnesota Department Of Commerce Licensing Unit

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
North Risk Partners logo
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License Verified:

License: 40318023

The Minnesota Department Of Commerce Licensing Unit

North Risk Partners

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2048 Superior Drive NW, Suite 100, Rochester, MN 55901
  • Group Plans

Business Description

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.

License Verified:

License: 40318023

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.
4.5
Google
4.4 / 5 (14)
Facebook
5.0 / 5 (2)

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
Pat Downs Insurance Agency logo

License Verified:

License: 40748592

The Minnesota Department Of Commerce Licensing Unit

Pat Downs Insurance Agency

1811 Greenview Pl SW Ste 101, Rochester, MN 55902
  • Health Insurance
  • Medicare

Business Description

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.

License Verified:

License: 40748592

The Minnesota Department Of Commerce Licensing Unit

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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RLH Insurance & Benefits, LLC logo
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License Verified:

License: 40470474

The Minnesota Department Of Commerce Licensing Unit

RLH Insurance & Benefits, LLC

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1491 Monterey Lane Southwest, Rochester, MN 55902
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 40470474

The Minnesota Department Of Commerce Licensing Unit

Shawn Christensen logo
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License Verified:

License: 40125359

The Minnesota Department Of Commerce Licensing Unit

Shawn Christensen

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1903 S Broadway, Rochester, MN 55904
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 40125359

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
Google
5.0 / 5 (300)
Facebook
4.4 / 5 (33)
Yelp
1.0 / 5 (1)
Steve Joswiak logo

License Verified:

License: 20024433

The Minnesota Department Of Commerce Licensing Unit

Steve Joswiak

605 12th Street SE, Rochester, MN 55904
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20024433

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.
4.5
Google
4.5 / 5 (24)
Stevenson Insurance, Inc. logo

License Verified:

License: 14278007

The Minnesota Department Of Commerce Licensing Unit

Stevenson Insurance, Inc.

1027 7th ST N.W., Rochester, MN 55901
  • Individual Health Insurance

Business Description

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.

License Verified:

License: 14278007

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 (2)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Supplement Plans Agency logo

License Verified:

License: 1014132

The Minnesota Department Of Commerce Licensing Unit

Supplement Plans Agency

1811 Greenview Pl SW, Rochester, MN 55902
  • Health Insurance

Business Description

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.

License Verified:

License: 1014132

The Minnesota Department Of Commerce Licensing Unit

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
Susan Stenzel logo
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License Verified:

License: 9280

The Minnesota Department Of Commerce Licensing Unit

Susan Stenzel

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6932 Mesabi Ct NW, Rochester, MN 55901
  • Medicare Supplement Insurance
  • Individual Plans

Business Description

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.

License Verified:

License: 9280

The Minnesota Department Of Commerce Licensing Unit

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.
4.0
Responsiveness
Friendliness
Helpfulness
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Detail
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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.

  • 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.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.