Minnesota insurance, explained
Minnesota insurance guides
The questions we answer on the phone every week, written down the way we would say them. Every figure is sourced and dated; every page ends with a way to reach one of us.
Health and Medicare
- Health insurance for the self-employed in MinnesotaMNsure or direct, estimating an income that moves, the premium deduction, and when you can enroll.
- Health insurance after retirement in MinnesotaThe bridge to 65, then Medicare — and the enrollment windows that do not repeat.
- MNsure income limits for 2027The table by household size, what counts as income, and what changed for 2027.
- MNsure vs. private health insurance in MinnesotaSame plans, same prices. The difference is the help — and a few plans sold only direct.
- How to add Pat as your MNsure brokerMNsure’s current steps for adding Pat as your broker, what he can see once you do, and why it costs nothing.
- Health insurance for early retirees in MinnesotaRetired at 58 or 62: the premium problem, the income lever, and the countdown to 65.
- Health insurance after losing a job in MinnesotaThe 60-day window, COBRA against MNsure, and what your income is now.
- Health insurance for small business owners in MinnesotaA group plan, a reimbursement arrangement, or cover yourself — and the window that waives the usual minimums.
- Medicare vs. MNsure in Minnesota: which one applies to youThey are for different people. What happens when you cross from one to the other.
- Health insurance for high-income households in MinnesotaOver the credit line: buying well at full price, the HSA angle, and the cliff to avoid.
- HSA-eligible health insurance in MinnesotaWhat makes a plan HSA-eligible, this year’s and next year’s limits, and who the trade actually suits.
- Health insurance for 60-year-olds in MinnesotaThe most expensive five years of the market, and how to spend them well.
- Medicare Supplement vs. Medicare Advantage in MinnesotaAny doctor and a monthly premium, or a network and a cap. What Minnesota does differently, and the decision that is hard to undo.
- Turning 65 in Minnesota: a Medicare checklistThe seven months around your birthday, working past 65, your HSA, and the Supplement window that does not come back cheaply.
Home and auto
- Your first home in Minnesota: homeowners insurance, hail and roofsProof of insurance before closing, escrow, and the roof and hail terms that decide what a Minnesota claim pays.
- Umbrella insurance in Minnesota: what it covers and who needs oneExtra liability over your home and auto: what it pays, what it leaves out, and what has to sit underneath.
The question that is not on the list
Call and ask it. It is Pat or Spencer who answers, the conversation is free, and there is nothing to buy at the end of it.