Health insurance in Minnesota is very important. Whether you are an independent contractor looking for insurance for yourself and your family, or a business looking to provide health insurance to your employees, Minnesota health insurance companies are ready to serve your needs.

Minnesota health insurance helps to prevent sickness in the workplace. Studies have shown that people who do not have health insurance are less likely to seek out preventative care. Even something small, like a cold, will take longer to heal if a person does not have Minnesota medical insurance.

When thinking about which of the health insurance companies in Minnesota you want to do business with, ask yourself:

1. What type of insurance do you want to offer employees? MN health insurance companies offer different types of plans such as a HMO (Health Maintenance Organization), PPO (Preferred Provider Organization) or a POS (Point of Service).
2. How much are you willing to pay? Higher deductibles usually mean a lower monthly cost.
3. Are you also interested in a HSA (Health Savings Account)? This helps employees pay their medical charges with tax-free dollars.
   

Action Steps
The best contacts and resources to help you get it done

Receive an online quote from Minnesota health insurance providers

It's best to start with getting health insurance quotes. Minnesota providers will offer you a free quote based on your needs.

I recommend: EHealthInsurance.com allows you to search for Minnesota health insurance quotes. HealthInsuranceProviders.org offers a similar service.

Use an insurance agent to help find the best Minnesota health insurance companies

A health insurance agent can make sure that you get the best deal on your Minnesota health insurance. They will be familiar with all of the health insurance companies in Minnesota and can help find the one that best suits your needs.

I recommend: The Minnesota Health Insurance Network has agents ready to answer your questions. Fill out a simple form and they will get back to you as soon as possible.

Purchase small business health insurance coverage for your employees

Many Minnesota health insurance providers offer special rates for both small and large businesses.

I recommend: Blue Cross Blue Shield of Minnesota offers health insurance plans for both businesses of 2-50 employees and businesses with more than 50 employees. Assurant also offers health insurance plans for small businesses.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Preventative care is often more cost-effective than treating illnesses as they arrive. Most companies would do well to promote the wellness programs included with their Minnesota heath insurance package . Some preventative care options might be offering in-office flu shots, health and fitness challenges, or offering healthy snacks at no cost to employees.