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Directory of health insurance agents in St Cloud, Minnesota. Verify credentials with the state department of insurance before hiring.
15 agents listed
Updated May 2026
St Cloud, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 15 health insurance agents in St Cloud, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Hess Insurance Agency LLC
2233 Roosevelt Rd #4, St Cloud, MN 56301
(320) 251-1515
hessinsuranceagency.com
Bankers Life
3400 1st St N Ste 204, St Cloud, MN 56303
(320) 252-8393
branches.bankerslife.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
North Risk Partners
622 Roosevelt Rd Ste. 240, St Cloud, MN 56301
(320) 253-1122
northriskpartners.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
Ray Sauer Insurance & Financial
1812 25th St SE, St Cloud, MN 56304
(320) 208-9250
Medicare Supplements Minnesota
3240 Santa Fe Trail, St Cloud, MN 56301
(800) 420-8298
medsuppsmn.com
Hausmann
3240 Santa Fe Trail, St Cloud, MN 56301
(612) 968-3269
medsuppsmn.com
Independent
22 Wilson Ave NE Ste 207, St Cloud, MN 56304
(320) 656-5828
superpages.com
Hansen
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 309-9594
hmhanseninsurance.com
Health insurance agents in St Cloud, Minnesota help individuals, families, and small businesses find suitable health coverage. Minnesota has a state-based health insurance exchange called MNsure, and agents can guide you through open enrollment or special enrollment periods. Local agents understand the specific needs of central Minnesota residents and can explain plan options available in Stearns County.
What Does a Health Insurance Agent in St Cloud Cost?
The cost of using a health insurance agent in St Cloud is usually free to you because the agent receives a commission from the insurance carrier. For individual plans, monthly premiums in Minnesota can range from about 300 to 700 dollars for a single adult depending on age, income, and plan tier. Small business group plans have different pricing structures. Costs vary by situation and depend on your specific needs and eligibility for subsidies through MNsure. This is general information and does not constitute insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a health insurance agent in St Cloud do?
A health insurance agent helps you compare and enroll in health plans from private insurers or through MNsure. They explain deductibles, copays, and provider networks. Agents are licensed by the Minnesota Department of Commerce and must follow state regulations.
When can I enroll in a health plan in Minnesota?
Open enrollment for individual plans typically runs from November 1 to January 15 each year. You may qualify for a special enrollment period if you have a qualifying life event like losing other coverage, moving, or having a baby. An agent can help you determine your eligibility.
Do health insurance agents charge a fee in Minnesota?
Most health insurance agents in Minnesota are paid by the insurance company, not by you. Their commission is built into the plan premium. You should always ask about any fees before working with an agent, but direct charges to consumers are rare for individual health plans.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.