The health insurance industry in Minnesota plays a vital role in ensuring residents have access to essential healthcare services. Companies range from large providers like UnitedHealthcare to smaller, specialized agencies, each offering various plans tailored to individuals, families, and groups. Key trends include a focus on affordability, as businesses explore innovative solutions to manage medical costs while expanding coverage options. As consumer needs evolve, the sector shifts towards providing greater transparency and personalized care, demonstrating a commitment to improving health outcomes and broadening access for all Minnesotans.


This list features prominent health insurance companies located in Minnesota, highlighting their sizes, founding years, and core offerings. With major players like UnitedHealthcare and Medica alongside smaller entities such as Health Insurance Services, these firms vary from large corporate giants to localized agencies. They provide a range of services, including Medicare and individual health plans, reflecting the dynamic infrastructure of health coverage in the state. Operating across different counties, these companies collectively shape the landscape of healthcare options available to consumers in Minnesota.


Continue reading to discover the top health insurance companies in Minnesota.


Top 20 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, based in Minnetonka, Minnesota, is a prominent health insurance provider founded in 1977. The company offers a variety of health plans tailored to meet the needs of individuals, families, and businesses. Their services include Medicare and Medicaid plans, as well as individual and family health insurance options. UnitedHealthcare aims to assist its members in managing healthcare costs while ensuring access to necessary medical services. The company emphasizes quality coverage and personalized support, which is evident in their extensive resources for members, including a mobile app for easy access to plan details and care options. With over 14,000 employees, UnitedHealthcare has a strong presence in the U.S. market, serving a significant portion of the population and contributing to the overall healthcare ecosystem.


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, based in Minnetonka, Minnesota, is a health insurance provider that has been operational since 1975. The company offers a variety of health insurance plans, including options for individuals, families, Medicare recipients, Medicaid participants, and employer-provided coverage. Medica aims to help consumers, businesses, and organizations access affordable healthcare and manage medical expenses effectively. With a workforce of approximately 4,300 employees, the company serves a significant portion of the U.S. population, primarily focusing on states like Minnesota, North Dakota, and others. Medica's commitment to health and wellness is evident in its range of services, which include mental health support and preventive care. The company has also received funding recently, which may bolster its capabilities and service offerings in the competitive health insurance market.


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, based in Golden Valley, Minnesota, is a health insurance provider that has been serving consumers and businesses since its founding in 1984. The company offers a range of health plans tailored to meet the needs of large groups, small groups, and individuals. Its services extend beyond traditional insurance offerings, incorporating wellness programs, online care options, and pharmacy information to help members manage their health effectively. PreferredOne emphasizes affordability and accessibility in healthcare, providing tools and resources that support preventive care and overall wellness. The company operates entirely within the United States and has a workforce of approximately 260 employees. Recently, PreferredOne has become part of UnitedHealthcare, which allows it to leverage additional resources and expand its service capabilities in the health insurance market.


4. Allina Health | Aetna


Allina Health | Aetna is a health insurance provider based in St. Louis Park, Minnesota, formed through a partnership between Allina Health and Aetna. Since its inception in 2017, the company has focused on delivering a range of health insurance plans, including Medicare Advantage options. Allina Health | Aetna aims to coordinate quality coverage and care that meets the specific needs of its members. The company serves both individuals seeking health coverage and employers looking to provide health benefits to their employees. With a workforce of around 53 employees, Allina Health | Aetna emphasizes a personalized approach to healthcare, connecting members with top healthcare professionals and facilities in Minnesota. Their services include virtual care, mental health support, and wellness resources, reflecting a commitment to comprehensive health solutions.


5. Surest

  • Website: surest.com
  • Ownership type: Private
  • Headquarters: Minneapolis, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 98%, Other 2%
  • Founded year: 2016
  • Headcount: 201-500
  • LinkedIn: yourbind

Surest, founded in 2016 and based in Minneapolis, Minnesota, is a private health insurance provider that specializes in employer-sponsored health plans. The company caters to businesses with 51 or more employees, focusing on managing healthcare costs while ensuring employees have access to necessary medical services. Surest stands out in the industry by offering plans that feature no deductibles or coinsurance, allowing members to see upfront costs for their healthcare services. This approach not only simplifies the insurance experience but also encourages proactive healthcare decisions among members. Surest operates under the umbrella of UnitedHealthcare, which provides access to a vast network of healthcare providers and facilities. The company emphasizes a digital-first experience, enabling members to search for care, compare options, and understand their costs through an intuitive app and website. This innovative model has positioned Surest as a growing player in the health insurance market, appealing to employers looking for effective health benefits for their workforce.


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 specializes in offering a variety of health plans, including Medicare and Medicaid options. Founded in 1980, the company serves a broad spectrum of consumers and businesses, focusing on helping them manage healthcare costs while ensuring access to necessary medical services. With a workforce exceeding 10,000 employees, UnitedHealthcare Community & State plays a vital role in the health insurance market, particularly for low-income individuals and families. Their plans are designed to meet the unique needs of their members, providing essential coverage that includes preventive care, wellness programs, and supplemental insurance options. The company is dedicated to simplifying the healthcare experience and making quality care more affordable and accessible for all.


7. 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, based in Bloomington, Minnesota, is a private insurance agency founded in 2014. The company specializes in a wide range of employee benefits and individual insurance solutions. Their offerings include health, dental, vision, and life insurance, catering to both businesses and consumers. Aris Group aims to simplify the complexities of insurance coverage, providing customized solutions that align with the unique needs of their clients. They also focus on educating employees about their benefits, which has proven effective in increasing enrollment rates. The firm operates entirely within the United States and has a small team of around 20 employees, emphasizing a personalized approach to service. Their commitment to client education and support is reflected in the positive testimonials from clients who appreciate the hands-on assistance provided during the enrollment process.


8. 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, based in Bloomington, Minnesota, is a health insurance provider that has been serving clients since 1982. The company focuses on offering health coverage solutions tailored to the needs of both individual consumers and businesses. With a small team of around 18 employees, The Araz Group aims to provide personalized service and support in navigating health insurance options. Their offerings include various health insurance plans and related services, positioning them as a resource for those seeking coverage in a competitive market. Despite their long history, there is no reported funding or significant expansion, which may affect their market presence.


9. 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 rich 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 guidance through the MNsure marketplace. Their services are designed to simplify the often confusing process of obtaining health insurance coverage. The company operates with a small team of 11-50 employees, emphasizing personalized service and community engagement. Health Insurance Services, Inc. represents multiple insurance carriers, offering clients a range of options tailored to their specific needs. Their commitment to providing free assistance in understanding and enrolling in Medicare and other health insurance plans positions them as a valuable resource in the industry.


10. 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. With a team of 35 employees, they specialize in guiding clients through Medicare and individual/family health insurance options. Their services include enrollment assistance, continuous support, and personalized planning strategies tailored to clients' unique situations. The company prides itself on its non-commissioned advisors, which allows them to focus solely on the clients' needs without the influence of sales pressure. Breitenfeldt Group also emphasizes the importance of ongoing service, offering annual reviews to ensure clients remain on the most suitable plans as their needs evolve. They have established a presence in Minnesota and Wisconsin, providing a local touch to their services. Their approach to health insurance is characterized by a commitment to education and support, making them a valuable resource for individuals navigating the often confusing world of health insurance.


11. Coupe Health

  • Website: coupehealth.com
  • Ownership type: Private
  • Headquarters: Saint Paul, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 2021
  • Headcount: 11-50
  • LinkedIn: coupe-health

Coupe Health, based in Saint Paul, Minnesota, is a private healthcare provider that launched in 2021. The company specializes in offering an alternative health plan designed to simplify the healthcare experience for businesses and their employees. With a focus on companies that employ 100 or more individuals, Coupe Health aims to provide price certainty and high-quality care. Their services include a health concierge support system, which assists members in navigating their healthcare journey, and access to a variety of health and wellbeing benefits. Notably, Coupe Health operates outside the traditional insurance model, positioning itself as a health plan designer rather than a typical insurance provider. This innovative approach allows them to offer upfront pricing for medical services, eliminating unexpected costs and complex paperwork. Their partnership with the Blue Cross Blue Shield network further enhances their service offerings, providing members with access to a broad range of healthcare providers across the country.


12. 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. The company offers a range of insurance solutions aimed at providing financial security for healthcare costs, particularly for individuals planning for their future healthcare needs. GoldenCare is dedicated to personalized service, equipping clients with the necessary resources to navigate their insurance options effectively. With a team of experienced marketing and licensing professionals, they support agents in growing their businesses through innovative products and comprehensive training. Their portfolio includes offerings from top carriers, ensuring that clients have access to a variety of plans tailored to their needs. GoldenCare's focus on long-term care and Medicare positions it as a significant player in the health insurance industry, catering to a growing demographic that requires these essential services.


13. 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 specializes in innovative solutions for small and midsize employers. The company offers products like Comfort® health plans, which feature no deductibles and zero copays for most common healthcare services, making it easier for employees to access necessary care. Gravie ICHRA™ allows employers to provide Individual Coverage Health Reimbursement Arrangements, giving employees the flexibility to choose their own health plans. With a workforce of around 375 employees, Gravie is actively engaged in the health insurance industry, focusing on simplifying health coverage and improving access to healthcare services. The company recently secured $40 million in funding, demonstrating its commitment to growth and innovation in the health benefits space.


14. Aris Group


Aris Group, operating under the name Aris Benefit Group, is an insurance agency based in Bloomington, Minnesota, founded in 2014. The company specializes in a wide array of employee benefits and individual insurance products, catering to both businesses and individuals. Aris Group focuses on simplifying the benefits administration process, ensuring that clients receive customized coverage options that meet their specific needs. Their offerings include health insurance, dental insurance, vision insurance, disability insurance, life insurance, and various wellness programs. The company prides itself on its consultative approach, working closely with clients to assess their existing benefit packages and enhance them to attract and retain talent. With a team dedicated to educating employees about their options, Aris Group aims to improve participation rates in benefit programs, thereby providing significant value to both employers and employees.


15. 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. is an insurance brokerage based in Excelsior, Minnesota, established in 2003. The company specializes in providing a wide array of insurance products tailored for both group and individual markets. Their offerings include health, dental, and life insurance, aimed at meeting the needs of businesses and consumers alike. Excelsior emphasizes exceptional customer service, ensuring clients receive personalized support throughout the insurance process. They are authorized to operate in all 50 states and the District of Columbia, which allows them to serve a broad client base. The firm also leverages technology to streamline quoting and case management, enhancing the efficiency of their services. With a dedicated team of professionals, Excelsior Insurance Brokerage aims to simplify the complexities of insurance for their clients, making them a relevant player in the health insurance industry.


16. Integrated Insurance Inc


Integrated Insurance Inc, founded in 2018 and based in Minneapolis, Minnesota, is a family-owned insurance brokerage that specializes in health insurance solutions, with a particular emphasis on Medicare plans. The company assists individuals, families, and small businesses in understanding and selecting appropriate health insurance options. They provide personalized support and consulting services, ensuring clients receive guidance tailored to their unique needs. Integrated Insurance operates through a network of independent brokers across various states, enhancing their reach and ability to serve clients effectively. Their services include Medicare Advantage Plans, Medicare Supplements, and individual and family health insurance plans, among others. The firm prides itself on making the often overwhelming world of health insurance more accessible and manageable for its clients.


17. 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 offers a variety of insurance products, including health, auto, home, life, and commercial insurance. They cater to both individual consumers and businesses, providing customized insurance solutions to manage risks and protect assets. The agency prides itself on its customer service, helping clients navigate their insurance needs effectively. Notably, Town & Country Insurance has a dedicated Life & Health Insurance department that focuses on Medicare services, indicating their active role in the health insurance market. They represent multiple top-rated insurance companies, allowing them to find the best coverage options for their clients. Their commitment to community involvement and customer education further enhances their standing in the industry.


18. 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 around 48 employees, the company specializes in a wide array of insurance products, including auto, home, life, health, and business insurance. Heartman Insurance serves individuals, families, and businesses primarily in the Upper Midwest, focusing on providing tailored insurance solutions to protect against various risks. Their health insurance offerings include health, Medicare, life, disability, long-term care, and dental/vision coverage. As an independent agency, Heartman Insurance collaborates with multiple insurance providers, allowing them to offer clients a range of options and competitive pricing. Their commitment to building lasting relationships with clients is evident in their approach to customer service and support throughout the insurance process.


19. HealthEZ

  • Website: healthez.com
  • Ownership type: Private
  • Headquarters: Bloomington, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1982
  • Headcount: 51-200
  • LinkedIn: healthez

HealthEZ, based in Bloomington, Minnesota, is a private health benefits provider that has been in operation since 1982. The company specializes in self-funded health plans and employee benefits, offering tailored solutions that cater to the unique needs of employers, brokers, and members. HealthEZ focuses on cost containment and enhancing the member experience, which is crucial in today's healthcare environment where rising costs are a significant concern. They provide a range of services including plan design, medical management, and provider network management. HealthEZ has developed a reputation for its innovative self-funding strategies, which allow businesses to pay for healthcare as needed rather than through fixed premiums. This flexibility can lead to substantial savings and improved employee satisfaction. Their commitment to customer service is evident in their 24/7 support and user-friendly digital tools, which facilitate easier access to benefits and information for members.


20. Optum

  • Website: optum.com
  • Ownership type: Private
  • Headquarters: Eden Prairie, Minnesota, United States (USA)
  • Employee distribution: United States (USA) 49%, India 41%, Philippines 5%, Other 5%
  • Founded year: 2011
  • Headcount: 10001+
  • LinkedIn: optum

Optum, Inc., founded in 2011 and based in Eden Prairie, Minnesota, operates as a healthcare services provider. The company employs over 93,000 individuals globally, with a significant presence in the United States, India, and the Philippines. Optum offers a wide array of solutions, including technology services, pharmacy care, and consulting aimed at enhancing health outcomes and controlling costs. It serves various stakeholders, including employers, health plans, and government agencies. Optum's pharmacy services, particularly through Optum Rx, play a crucial role in managing medication access and costs. The company also provides analytics and consulting services to help healthcare organizations navigate challenges and improve operational efficiency. While it does not focus solely on health insurance, its services are integral to the healthcare ecosystem, influencing how health insurance operates and delivers value to its members.



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
SurestMinneapolis, Minnesota, United States (USA)201-5002016Private
UnitedHealthcare Community & StateMinnetonka, Minnesota, United States (USA)10001+1980Private
Aris GroupBloomington, Minnesota, United States (USA)11-502014Private
The Araz GroupBloomington, Minnesota, United States (USA)11-501982Private
Health Insurance Services, Inc.Willmar, Minnesota, United States (USA)11-501950Private
Breitenfeldt GroupLong Prairie, Minnesota, United States (USA)11-501990Corporate
Coupe HealthSaint Paul, Minnesota, United States (USA)11-502021Private
GoldenCare USAPlymouth, Minnesota, United States (USA)501-10001974Private
GravieMinneapolis, Minnesota, United States (USA)201-5002013Private Equity
Aris GroupBloomington, Minnesota, United States (USA)11-502014Private
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
Heartman InsuranceRochester, Minnesota, United States (USA)11-501963Private
HealthEZBloomington, Minnesota, United States (USA)51-2001982Private
OptumEden Prairie, Minnesota, United States (USA)10001+2011Private


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