In Minnesota, individual health insurance companies provide essential coverage tailored to personal and family needs. This sector comprises both large corporations and smaller brokers, collectively offering a variety of plans ranging from Medicare and Medicaid to private individual options. As the health insurance industry evolves, there's a growing focus on personalized services and affordability, keeping pace with changes in regulations and consumer expectations. The trend is leaning towards increased technology integration, making it easier for consumers to understand and select the best health plans for their unique situations.


The companies highlighted in this list vary significantly in size and focus. Ranging from industry giants like UnitedHealthcare, founded in 1977, to specialized providers like Integrated Insurance Inc, established in 2018, each business plays a unique role in the market. With headquarters mostly in Minnesota, these firms specialize primarily in individual health insurance, catering to various demographics while emphasizing personalized customer service and tailored coverage options. Their workforce size reflects their operational capacities, affecting their reach and service delivery.


Read on to discover the top individual health insurance companies in Minnesota.


Top 19 Individual Health Insurance Companies in Minnesota


1. UnitedHealthcare

  • Website: uhc.com
  • Ownership type: Private
  • Headquarters: Minnetonka, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 97%, Other 3%
  • Founded year: 1977
  • Headcount: 10001+
  • LinkedIn: unitedhealthcare

UnitedHealthcare, founded in 1977 and based in Minnetonka, Minnesota, is a prominent health insurance provider in the United States. The company offers a variety of health plans, including Medicare, Medicaid, and individual family plans. With over 14,000 employees, UnitedHealthcare serves consumers, businesses, and organizations, helping them manage healthcare costs and access necessary medical services. Their focus is on providing comprehensive coverage options tailored to the unique needs of their members. UnitedHealthcare also emphasizes preventive care and wellness programs, aiming to enhance the overall health of its members. The company has a significant presence in the individual health insurance market, offering ACA Marketplace plans and supplemental coverage options, which further solidifies its role in the industry.


2. Medica

  • Website: medica.com
  • Ownership type: Corporate
  • Headquarters: Minnetonka, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 95%, Other 5%
  • Latest funding: $4.2M, January 2024
  • Founded year: 1975
  • Headcount: 1001-5000
  • LinkedIn: medica

Medica is a health insurance provider based in Minnetonka, Minnesota, with a workforce of approximately 4,286 employees. Established in 1975, the company has built a reputation for offering a wide array of health insurance plans tailored to meet the needs of individuals, families, and organizations. Medica's offerings include individual and family plans, Medicare, Medicaid, and employer-provided health insurance options. The company emphasizes making healthcare coverage accessible and affordable, helping consumers manage their medical expenses effectively. Medica serves a significant portion of the U.S. population, particularly in the Midwest, and is dedicated to enhancing the health and well-being of its members through various wellness programs and resources. Their recent funding of $4.25 million in January 2024 indicates a commitment to growth and innovation within the health insurance industry.


3. PreferredOne

  • Website: preferredone.com
  • Ownership type: Corporate
  • Headquarters: Golden Valley, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: January 2016
  • Founded year: 1984
  • Headcount: 201-500
  • LinkedIn: preferredone

PreferredOne, founded in 1984 and based in Golden Valley, Minnesota, is a health insurance provider that caters to both consumers and businesses. The company offers a range of health plans, including large group, small group, and individual plans. Their services extend beyond basic insurance coverage, incorporating wellness programs, online care options, and pharmacy information. PreferredOne aims to help members access affordable healthcare solutions while promoting health and wellness through various tools and resources. As of 2016, PreferredOne has not reported any new funding, indicating a stable operational model. The company is now part of UnitedHealthcare, which enhances its capabilities and reach in the health insurance market.


4. Allina Health | Aetna


Allina Health | Aetna is a private health insurance provider based in St. Louis Park, Minnesota, established in 2017. The company specializes in offering a variety of health insurance plans, including Medicare Advantage options, catering to both individuals seeking health coverage and employers looking to provide health benefits. Allina Health | Aetna operates by integrating quality coverage with healthcare services, ensuring that the needs of its members are met effectively. The company prides itself on delivering personalized care, connecting members with top healthcare professionals in Minnesota, and providing tools for health and wellness. Its affiliation with Allina Health and Aetna enhances its service offerings, allowing it to leverage local expertise alongside national insurance capabilities. Allina Health | Aetna is dedicated to making healthcare more accessible and understandable for its members, focusing on a seamless experience from coverage selection to care access.


5. Aris Group

  • Website: ag-benefits.com
  • Ownership type: Private
  • Headquarters: Bloomington, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2014
  • Headcount: 11-50
  • LinkedIn: aris-benefit-group

Aris Group, also known as Aris Benefit Group, is an insurance agency based in Bloomington, Minnesota, founded in 2014. With a team of 11 to 50 employees, the company focuses on providing a wide array of employee benefits and individual insurance solutions. Their offerings include health, dental, vision, and life insurance, catering to both businesses and individual consumers. Aris Group aims to simplify the complexities of insurance coverage, ensuring that clients receive customized solutions that fit their unique needs. They also provide services related to Medicare and long-term care insurance, demonstrating their involvement in the broader health insurance industry. The company emphasizes a consultative approach, working directly with clients to educate them on their options and facilitate informed decisions regarding their insurance needs.


6. UnitedHealthcare Community & State

  • Website: uhc.care
  • Ownership type: Private
  • Headquarters: Minnetonka, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 99%
  • Founded year: 1980
  • Headcount: 10001+
  • LinkedIn: uhccs

UnitedHealthcare Community & State, based in Minnetonka, Minnesota, is a private health insurance provider that has been operational since 1980. The company specializes in a variety of health plans, including Medicare, Medicaid, and individual and family insurance options. They serve a wide demographic, helping consumers and businesses manage healthcare costs while ensuring access to necessary medical services. UnitedHealthcare Community & State is particularly known for its commitment to providing health plans that cater to low-income individuals and families, as well as those with special circumstances. Their offerings include not only standard health insurance but also supplemental plans for dental and vision care, enhancing their overall service portfolio. The company operates primarily within the United States, with a workforce exceeding 10,000 employees, indicating a robust operational capacity to support their extensive range of insurance products.


7. The Araz Group

  • Website: araz.com
  • Ownership type: Private
  • Headquarters: Bloomington, Minnesota, United States (USA)
  • Founded year: 1982
  • Headcount: 11-50
  • LinkedIn: the-araz-group

The Araz Group, founded in 1982 and based in Bloomington, Minnesota, is a private health insurance provider. The company specializes in offering health coverage services tailored to the needs of individual consumers and businesses alike. With a modest team of around 18 employees, The Araz Group focuses on delivering personalized health insurance solutions. Their offerings include various plans and services designed to meet the unique health insurance needs of their clients. Although they have not reported any recent funding, their long-standing presence in the industry suggests a level of stability and experience in navigating the complexities of health insurance.


8. GoldenCare USA

  • Website: goldencareagent.com
  • Ownership type: Private
  • Headquarters: Plymouth, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 501-1000
  • LinkedIn: goldencare-usa

GoldenCare USA, founded in 1974 and based in Plymouth, Minnesota, is a private insurance agency that specializes in long-term care and Medicare products. With a workforce of approximately 501-1000 employees, the company has established itself as a significant player in the insurance industry. GoldenCare offers a range of insurance solutions aimed at providing financial security for healthcare costs, particularly for individuals approaching retirement or those already in need of long-term care. Their approach emphasizes personalized service, equipping clients with the necessary resources to navigate complex insurance options. GoldenCare also supports agents with tools and training, enhancing their ability to serve clients effectively. The company has built a reputation for its commitment to agent support and innovative product offerings, making it a notable entity in the health insurance sector.


9. Breitenfeldt Group

  • Website: bghealthplans.com
  • Ownership type: Corporate
  • Headquarters: Long Prairie, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2021
  • Founded year: 1990
  • Headcount: 11-50
  • LinkedIn: breitenfeldt-group

Breitenfeldt Group, founded in 1990 and based in Long Prairie, Minnesota, operates as a health insurance brokerage. The company specializes in Medicare and individual/family health insurance options, providing essential guidance to consumers. Their team of experts assists clients in navigating the often complex world of health insurance, offering services that include enrollment assistance and ongoing support. Breitenfeldt Group is committed to creating tailored strategies that align with each client's unique situation, whether they are planning for retirement or seeking immediate coverage. They represent multiple major health insurance carriers, ensuring clients have access to a variety of plans without incurring any fees for their services. The company prides itself on its collaborative approach, where all advisors work together to deliver the best possible experience for clients. With a focus on education and personalized service, Breitenfeldt Group aims to demystify health insurance and empower clients to make informed choices about their coverage.


10. Health Insurance Services, Inc.


Health Insurance Services, Inc. is a private health insurance service provider based in Willmar, Minnesota. Founded in 1950, the company has a long-standing history of helping individuals and families navigate the complexities of health insurance, particularly Medicare. They assist clients with Medicare sign-up, enrollment in various health insurance plans, and provide guidance through the MNsure marketplace. Their services are designed to simplify the process of obtaining health insurance coverage, ensuring clients understand their options and can make informed decisions. The company operates with a small team of 11-50 employees, emphasizing personalized service and a commitment to customer care. Health Insurance Services, Inc. does not report any funding, indicating a self-sustained business model focused on local clientele.


11. Excelsior Insurance Brokerage

  • Website: excelsiorinsurance.com
  • Ownership type: Corporate
  • Headquarters: Excelsior, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: January 2016
  • Founded year: 2003
  • Headcount: 51-200
  • LinkedIn: excelsior-benefits

Excelsior Insurance Brokerage, Inc., founded in 2003 and based in Excelsior, Minnesota, is an insurance brokerage that specializes in providing a wide array of insurance products for both group and individual markets. The company offers health, dental, and life insurance, catering to the needs of businesses and consumers alike. With a focus on delivering tailored insurance solutions, Excelsior aims to simplify the insurance process for its clients. They emphasize exceptional customer service, ensuring that clients receive the support they need to navigate their insurance options effectively. Excelsior is authorized to operate in all 50 states and the District of Columbia, which allows them to serve a broad clientele. Their technology-assisted services enhance the efficiency of quoting and case processing, making it easier for clients to find suitable insurance products. Excelsior's commitment to education and support for brokers further solidifies their role in the individual health insurance market.


12. Integrated Insurance Inc


Integrated Insurance Inc, based in Minneapolis, Minnesota, is a family-owned insurance brokerage founded in 2018. The company specializes in health insurance solutions, with a particular emphasis on Medicare plans. They assist individuals, families, and small businesses in understanding and selecting the right health insurance options. Integrated Insurance operates through a network of independent brokers across various states, ensuring personalized support tailored to the unique needs of their clients. Their services include Medicare Advantage Plans, Medicare Supplements, and Medicare Part D Drug Plans, as well as coverage for dental, vision, and hearing. The firm prides itself on making the often complex world of health insurance more accessible and manageable for its clients, emphasizing a commitment to integrity and trust in their operations.


13. Town & Country Insurance

  • Website: townandcountry-ins.com
  • Ownership type: Private
  • Headquarters: Finlayson, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 11-50
  • LinkedIn: town-and-country-ins

Town & Country Insurance, established in 1977 and based in Finlayson, Minnesota, operates as a private insurance agency. With a team of 19 employees, the agency provides a range of insurance products, including health, auto, home, life, and commercial insurance. They cater to both individual consumers and businesses, tailoring solutions to meet specific needs. The agency prides itself on its customer service, helping clients navigate the complexities of insurance. Their Life & Health Insurance department is particularly focused on health-related products, including Medicare services, which highlights their commitment to this sector. Town & Country Insurance represents multiple top-rated insurance companies, allowing them to offer a variety of options to their clients. They emphasize the importance of understanding clients' unique situations to provide appropriate coverage and support.


14. Oakwood Insurance Agency


Founded in 1989, Oakwood Insurance Agency is a private insurance agency based in Coon Rapids, Minnesota. With a team of 37 employees, the agency prides itself on delivering tailored insurance solutions to individuals, families, and businesses. Oakwood offers a variety of insurance products, including personal, business, life, and health insurance. Their approach emphasizes personalized service, competitive rates, and a commitment to ongoing education for their agents. Oakwood is actively involved in local, state, and national insurance associations, reflecting their dedication to the industry and community. They strive to provide clients with the best coverage options available, although they do not have reported funding or significant market presence in the health insurance sector.


15. Twin City Underwriters, Inc.


Twin City Underwriters, Inc., founded in 1968 and based in Roseville, Minnesota, operates as an independent insurance brokerage. The company specializes in Medicare, life insurance, and various other insurance products, including health management programs and travel coverage. With a dedicated team of licensed agents, Twin City Underwriters provides educational resources, workshops, and personalized support to help clients navigate their insurance options. Their proprietary SurePlan® Medicare System exemplifies their commitment to client service, ensuring that clients receive tailored advice and ongoing support. The company serves clients across several states, including Minnesota, Wisconsin, North Dakota, South Dakota, Iowa, and Florida, and has built a reputation for fostering long-term relationships with clients. Twin City Underwriters does not rely on commission-based compensation for its agents, which allows them to prioritize the needs of their clients without conflicts of interest. This approach, combined with their focus on Medicare and individual health insurance, positions them as a relevant entity in the insurance industry.


16. Gravie

  • Website: gravie.com
  • Ownership type: Private Equity
  • Headquarters: Minneapolis, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: Other (Debt), $40.0M, June 2024
  • Founded year: 2013
  • Headcount: 201-500
  • LinkedIn: gravie

Gravie, founded in 2013 and based in Minneapolis, Minnesota, is a health benefits provider that focuses on delivering innovative solutions for small and midsize employers. The company offers products like Comfort® health plans, which feature no deductibles and zero copays on most common healthcare services, making it easier for employees to access necessary care. Gravie ICHRA™ allows employers to implement Individual Coverage Health Reimbursement Arrangements, giving employees the flexibility to choose their own health plans. With a workforce of approximately 375 employees, Gravie is dedicated to simplifying health coverage and reducing costs for both employers and employees. The company has recently secured $40 million in funding, indicating strong investor confidence and a commitment to expanding its offerings in the health insurance market.


17. Heartman Insurance

  • Website: heartman.com
  • Ownership type: Private
  • Headquarters: Rochester, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1963
  • Headcount: 11-50
  • LinkedIn: heartman-insurance

Heartman Insurance, established in 1963, is a private insurance agency based in Rochester, Minnesota. With a workforce of 11-50 employees, the company serves individuals, families, and businesses across the Upper Midwest. Heartman Insurance offers a comprehensive suite of insurance products, including auto, home, life, health, and business insurance. Their health insurance offerings include individual health plans, Medicare options, long-term care, and disability coverage. As an independent agency, Heartman Insurance collaborates with various insurance providers, allowing them to customize coverage to meet the specific needs of their clients. Their focus on building lasting relationships and providing personalized service has positioned them as a trusted choice for insurance solutions in their community.


18. HomeTown Insurance

  • Website: myht.biz
  • Ownership type: Family Owned
  • Headquarters: Cleveland, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1937
  • Headcount: 11-50
  • LinkedIn: hometowninsurancemn

HomeTown Insurance, based in Cleveland, Minnesota, is a family-owned insurance agency that has been operating since 1937. With a team of 11 to 50 employees, the agency specializes in a wide array of insurance products, including health, auto, home, business, and life insurance. HomeTown Insurance serves both individual consumers and businesses, tailoring solutions to meet various insurance needs. Their health insurance offerings include individual and family policies, short-term coverage, Medicare supplements, and dental plans, which are underwritten by established companies like Blue Cross Blue Shield and Medica. The agency operates through independent agents who provide personalized assistance to clients, ensuring they find the right coverage for their specific situations. HomeTown Insurance is licensed to operate in multiple states, including Minnesota, South Dakota, Wisconsin, Colorado, and Arizona, which allows them to cater to a broader audience while maintaining a strong local presence.


19. Ross Nesbit Agencies, Inc

  • Website: nesbitagencies.com
  • Ownership type: Family Owned
  • Headquarters: Minnetonka, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1974
  • Headcount: 51-200
  • LinkedIn: ross-nesbit-agencies-inc

Ross Nesbit Agencies, Inc., based in Minnetonka, Minnesota, has been serving clients since 1974. As a family-owned insurance agency, it provides a wide array of insurance solutions tailored to both businesses and individual consumers. The agency prides itself on personalized service, helping clients navigate the complexities of insurance coverage. With a workforce of approximately 65 employees, they operate across multiple states, ensuring that clients receive customized solutions to meet their specific needs. Their offerings include business insurance, personal insurance, and employee benefits, with a notable emphasis on group health and individual health insurance. The agency is licensed to operate in all 50 states, which enhances its ability to serve a broad client base. Their commitment to customer service and community engagement has established a solid reputation in the insurance industry.



Individual Health Insurance Insights: Key Companies in Minnesota


CompanyHeadquarterSizeFoundedOwnership
UnitedHealthcareMinnetonka, Minnesota, United States (USA)10001+1977Private
MedicaMinnetonka, Minnesota, United States (USA)1001-50001975Corporate
PreferredOneGolden Valley, Minnesota, United States (USA)201-5001984Corporate
Allina Health | AetnaSt. Louis Park, Minnesota, United States (USA)11-502017Private
Aris GroupBloomington, Minnesota, United States (USA)11-502014Private
UnitedHealthcare Community & StateMinnetonka, Minnesota, United States (USA)10001+1980Private
The Araz GroupBloomington, Minnesota, United States (USA)11-501982Private
GoldenCare USAPlymouth, Minnesota, United States (USA)501-10001974Private
Breitenfeldt GroupLong Prairie, Minnesota, United States (USA)11-501990Corporate
Health Insurance Services, Inc.Willmar, Minnesota, United States (USA)11-501950Private
Excelsior Insurance BrokerageExcelsior, Minnesota, United States (USA)51-2002003Corporate
Integrated Insurance IncMinneapolis, Minnesota, United States (USA)1-102018Family Owned
Town & Country InsuranceFinlayson, Minnesota, United States (USA)11-501977Private
Oakwood Insurance AgencyAnoka, Minnesota, United States (USA)11-501989Private
Twin City Underwriters, Inc.Roseville, Minnesota, United States (USA)11-501968Private
GravieMinneapolis, Minnesota, United States (USA)201-5002013Private Equity
Heartman InsuranceRochester, Minnesota, United States (USA)11-501963Private
HomeTown InsuranceCleveland, Minnesota, United States (USA)11-501937Family Owned
Ross Nesbit Agencies, IncMinnetonka, Minnesota, United States (USA)51-2001974Family Owned


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