What does coverage cost in St. Paul? Across Minnesota, the 2027 benchmark silver plan for a 40-year-old averages $525 a month before subsidies, compared with $704 nationally. Most marketplace shoppers pay less after the premium tax credit.
There are 152 health insurance agencies within 25 miles of St. Paul, MN. The 15 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of St. Paul.
Health Insurance Agents near St. Paul
Licensed agents can compare plans available in Ramsey County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a local agent does
Agents licensed in Minnesota can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Questions to ask before you choose
Which carriers can you quote in Ramsey County? Are you certified to enroll people through the MNsure? Will you help me at renewal next year?
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Checking an agent's license in Minnesota
- The Minnesota Department of Commerce's Look Up a License Holder directory includes an Insurance Producers/Agencies search, which links to the online licensing database where you can confirm an agent's license. Source
- The Minnesota Department of Commerce licenses insurance producers and agencies and regulates insurance in the state. It also takes consumer complaints and publishes its enforcement actions. Source
Free enrollment help in Minnesota
MNsure assisters: Navigators and Certified Application Counselors, plus MNsure brokers and broker enrollment centers, are listed in the MNsure Assister Directory for free enrollment help. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- South St. Paul, MN 5 miles
- Roseville, MN 5 miles
- Little Canada, MN 5 miles
- North St. Paul, MN 7 miles
- Oakdale, MN 7 miles
- Vadnais Heights, MN 8 miles
- St. Anthony, MN 8 miles
- Minneapolis, MN 8 miles
- Inver Grove Heights, MN 9 miles
- Arden Hills, MN 9 miles