Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Fargo

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 Fargo 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.

1762

Reviewed

1060

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3345 39th Street South, Fargo, ND 58104
WebsiteLicense: 20290412

Expertise.com Rating

Review Sources

Google
4.7 (15)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

With over 80 years in the industry, Hektner-Lybeck-Erickson Insurance is a locally owned and operated agency that serves individuals, families, and businesses in Fargo and nearby areas. It comprises insurance agents who provide health insurance solutions that safeguard clients financially from medical emergencies, such as illnesses and accidents. They also have other health plans, such as dental, vision, and supplemental products. In addition, the team has auto, life, farm, home, business, and motorcycle insurance policies.

  • Group Plans
  • Life Insurance
  • Health Insurance

415 38th St SW Suite B, Fargo, ND 58103
WebsiteLicense: 656909

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Van Hal Insurance Services is a company that serves clients in Fargo and the surrounding areas. It is led by Ed Van Hal, who has more than 40 years of experience in the insurance industry and strives to provide clients with protection that fits their budget. The company offers a range of products, which include health, dental, vision, and long-term care insurance policies. It also brokers employer benefits for commercial clients and provide them with employee group health plans.

  • Health Insurance

4675 40th Avenue S Suite 140, Fargo, ND 58104
WebsiteLicense: 9671644

Expertise.com Rating

Review Sources

Google
4.9 (52)
Facebook
5.0 (9)

Why choose this provider?

Todd Vanyo is an insurance agent under State Farm insurance, serving clients in Fargo. He creates health insurance plans that fit the need of individuals, families, and seniors. He offers Medicare supplement plans and options for payment protection with disability insurance. Vanyo has been in the insurance industry since 2007 and is a board member of the West Fargo Packer Backers. His team also provides risk management solutions for homeowners, renters, pet owners, and businesses.

  • Medicare Supplements

3139 Blue Stem Dr, Ste 104, West Fargo, ND 58078
WebsiteLicense: 8140752

Expertise.com Rating

Review Sources

Google
4.7 (94)
Facebook
4.8 (36)
Yelp
3.0 (2)

Why choose this provider?

Renee Forde is an insurance agent who provides services to clients in Fargo and the neighboring areas. She offers health insurance plans, including Medicare Supplement insurance, supplemental health insurance, and individual medical coverage. She also handles auto, home, property, and life insurance plans and assists clients with their annuities, mutual funds, and banking needs. Forde has been with State Farm since 2006. She is a recipient of the Chairman's Circle and a member of the FMWF Chamber of Commerce.

  • Life Insurance
  • Health Insurance

745 31st Ave E, Suite 100, West Fargo, ND 58078
WebsiteLicense: 20292159

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Consolidated Benefits & Insurance Services is a health insurance agency serving clients in the Fargo metro, offering employee benefits and individual plans. These include disability and vision coverage, health, dental, and life insurance. It helps clients handle benefit and price comparisons to deliver insurance products and solutions. It works with insurance companies including Sanford, UnitedHealthcare, Medica, HealthPartners, and PreferredOne. The agency has over 35 years of experience in the insurance industry and represents more than 50 insurance producers in Dakota and Minnesota areas.

  • Life Insurance
  • Health Insurance

1291 13th Avenue East, West Fargo, ND 58078
WebsiteLicense: 20290665

Expertise.com Rating

Review Sources

Facebook
5.0 (35)
Google
4.8 (23)
Yelp
1.0 (1)

Why choose this provider?

Ihry Insurance Agency, Inc., has been offering services to clients in Fargo and nearby areas since 1982. This firm works with different insurance companies, like Assurant Health, Blue Cross Blue Shield, Hagerty, and The Hartford. It offers health insurance products that include benefits, such as chronic disease management, hospitalization, mental health treatment, outpatient care, and pediatric services. Additionally, it provides car, homeowners', livestock, and ranch insurance plans. Dustin Ihry, an insurance agent, has been in the insurance industry for over 10 years.

  • Health Insurance

4803 38th St. S. Suite 101, Fargo, ND 58104
WebsiteLicense: 18152889

Expertise.com Rating

Why choose this provider?

Vaaler Insurance, a Marsh & McLennan Agency LLC Company, has been serving clients in Fargo and surrounding areas since 1947. It represents a range of insurance providers to provide health and life insurance for individuals and families. It also assists nonprofit organizations through insurance programs that cover general and professional liability, workers' compensation, and automobiles. The independent insurance agency offers employee benefits programs to small and large businesses, which include employee education and human resources assistance.

  • Individual Plans
  • Group Plans
  • Health Insurance

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.

  • When will your health insurance premiums in Fargo be tax deductible?

    If you own a health savings account or are self-employed in Fargo, your health insurance premiums will be tax deductible. Up to a specific level, all contributions you make to your HSA account are tax deductible. The health insurance premiums you pay yourself and your dependents if you are self-employed are deductible from your taxes. You cannot deduct that premium if your dependents have another type of insurance.

  • What are the benefits of Fargo supplemental insurance plans?

    Supplemental health insurance in Fargo pays for a variety of medical costs, including prescriptions, hospital stays, copayments, deductibles, and medicines. During a hospital stay, a protracted illness, or the recuperation from an accident, certain supplemental health insurance will pay for expenditures like food, child care, transportation, and other unforeseen expenses. Some plans even offer income replacement in the event that you are unemployed for an extended period of time.

  • Can you refund dental expenses using your Fargo health savings account?

    In Fargo, reimbursement for dental treatment is a valid expense under your health savings account. Dental services and procedures, medically necessary dental implants, dental cleanings, dental sealants, dental dams, dental veneers, dentures, denture stain cleaner, denture cleaning supplies, denture adhesive, and treatment from a denturist are examples of additional dental costs that qualify for reimbursement under your HSA.

  • Is there a limit on the amount you can contribute to your flexible spending account in Fargo?

    Yes. The IRS has set a $3,050 per employee per year ceiling on FSA contribution limits in Fargo for 2023. If you don't use all of the money in your FSA before the plan year ends, you may carry over up to $610 for usage to the following year. You may also be given a two-and-a-half-month grace period for using funds in the FSA.

  • Does Medicare in Fargo pay for the cost of B12 injections?

    Your Fargo Medicare plan may cover B12 injections, depending on the state of your health. For instance, if your Medicare-approved doctor determines that a B12 shot is medically essential, Medicare Part B will pay for it. If your doctor determines that a B12 shot is medically required while you are receiving treatment in a hospital, a skilled nursing facility, or a hospice, Medicare Part A may pay for it.

  • 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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