MNsure Marketplace Plans
MNsure is Minnesota's official health insurance marketplace. It is the only place you can get a premium tax credit, and a lot of households qualify for one without ever realizing it. There is no cost to work with us — we are paid by the carrier, not by you.
- Premium tax credit eligibility check
- Cost-sharing reduction plans
- All MNsure carriers compared side by side
- Medical Assistance and MinnesotaCare screening
- Special enrollment period qualification
- Help creating and managing your MNsure account
- No fee to you — carriers pay our commission
How to Add Pat as Your MNsure Broker
MNsure lets you attach a broker to your account, and it costs you nothing — brokers are paid by the carrier, not by you. Once Pat is attached we can actually see and help with your application instead of guessing over the phone.
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Create your MNsure account
Go to mnsure.org and set up an account if you don't already have one. You'll need names, dates of birth and income information for everyone in your household. Have last year's tax return handy — it makes this part much quicker.
- 2
Add Pat as your broker
Inside your account, look for the option to add an agent or broker. Search by zip code — use 55413 — and Patrick Bernauer will come up in the results. Select him and confirm.
Search zip code 55413
- 3
Start your application
Begin the application once Pat is attached to your account. You don't have to finish it perfectly. Getting it started is the part that matters.
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We take it from there
Once Pat is your broker we can see the application on our end, check it over, and make sure it gets submitted properly. Small mistakes on a MNsure application cause real delays, so we'd rather catch them than have you find out weeks later.
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Then we help you choose
When the application is through, we go over your actual plan options with you — what each one costs, what your subsidy comes to, and whether your doctors are in network. That guidance is the whole point, and there's no charge for it.
Fill out our quote form either way. Do it before, during or after you set up MNsure — it tells us who you are and what your household needs, so when we pick up your application we already know what we're looking at. And if you get stuck at any point, call Pat at 952-457-5894 and he'll walk you through it.
MNsure — 2027 coverage
- Enroll between:
- November 1, 2026 and January 15, 2027
- For coverage starting January 1:
- enroll by December 15, 2026
- Enroll after that:
- coverage starts February 1
This is the only window in which you can start a marketplace plan without a qualifying life event — and the only place a premium tax credit exists.
You'll work with Pat or Spencer directly
Pat and Spencer are the agents here, so whoever quotes mnsure marketplace plans is the same person who answers when you call about it later. No call centers, no getting handed off, no explaining your situation twice. They'll work closely with you from the first question through every renewal after it.
Would rather not fill in a form? Call Pat directly at 952-457-5894 and give him your information over the phone. It takes about the same amount of time, and plenty of people prefer it — you're welcome to do it that way.
Request a MNsure Marketplace Plans Quote
Tell us a bit about your situation and we’ll get back to you with real numbers. No obligation, and we never sell your information.