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Find Health Insurance Agents Near You in St Cloud, MN

Browse health insurance agents serving St Cloud, Minnesota. Updated 2026-07-14.

The top-rated health insurance agent in St Cloud, Minnesota is Hess Partners Insurance Agency, rated 4.6 stars across 56 reviews. Other highly rated options include Advantage 1 Insurance, Rock City Insurance, Briva Health. This directory lists 16 health insurance agents serving St Cloud.

Showing 16 health insurance agents in St Cloud, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Hess Partners Insurance Agency31 33rd Ave N(320) 255-0417
2Advantage 1 Insurance3801 3rd St N(320) 252-6650
3Rock City Insurance14 7th Ave N(320) 259-4003
4Briva Health3400 1st St N #103
5Lamphere Insurance Group, LLC606 25th Ave S Ste. 204(320) 640-0633
6Hess Insurance Agency LLC2233 Roosevelt Rd #4(320) 251-1515
7Federated Insurance Co2700 1st St N #215(320) 314-3964
8Bankers Life3400 1st St N Ste 204(320) 252-8393
9Moe Agency Inc536 25th Ave N(320) 253-7644
10North Risk Partners622 Roosevelt Rd Ste. 240(320) 253-1122
HP
31 33rd Ave N
Hess Partners Insurance Agency
Health Insurance Agent · St Cloud, MN

Hess Partners Insurance Agency serves the St. Cloud, Minnesota, metro area as a local health insurance agent. The company helps individuals, families, and small groups navigate their coverage options by comparing plans from multiple carriers. They assist with understanding plan benefits, coordinating open enrollment periods, and managing policy changes throughout the year. In this region, the agency frequently guides clients through Medicare supplement plans and individual Affordable Care Act marketplace policies

A1
3801 3rd St N
Advantage 1 Insurance
Health Insurance Agent · St Cloud, MN

Advantage 1 Insurance provides a range of health insurance agent services for individuals and families in the St Cloud, MN area. It offers assistance with plan selection during open enrollment periods and helps clients understand their coverage options for medical, dental, and vision needs. The agency provides ongoing support for policy maintenance and claims questions throughout the year. Its services are available to those residing in single-family homes, apartments, retail spaces, and restaurants.

RC
14 7th Ave N
Rock City Insurance
Health Insurance Agent · St Cloud, MN

Rock City Insurance offers individual and family health insurance plans, including HMO and PPO options tailored to local needs. As a health insurance agent in St Cloud, Minnesota, the company assists clients with Open Enrollment enrollment, plan comparisons, and subsidy eligibility evaluations. It also guides Medicare recipients through supplement and Advantage plan selection. The agency helps residents address coverage gaps after job changes or other qualifying life events that trigger a Special Enrollment Period.

BH
3400 1st St N #103
Briva Health
Health Insurance Agent · St Cloud, MN
LI
606 25th Ave S Ste. 204
Lamphere Insurance Group, LLC
Health Insurance Agent · St Cloud, MN

Lamphere Insurance Group, LLC, located in St Cloud, MN, offers both one-time policy consultations and ongoing coverage management for clients seeking to meet their health insurance needs. They assist individuals and families in understanding plan options, including coverage for preventive care, prescriptions, and medical services. Service is available on an as-needed basis, allowing clients to request assistance when evaluating new plans or navigating changes in their healthcare situation.

HI
2233 Roosevelt Rd #4
Hess Insurance Agency LLC
Health Insurance Agent · St Cloud, MN

Specializing in individual and family health insurance plans, Hess Insurance Agency LLC also provides guidance on Medicare supplement options for seniors in St Cloud, MN. It assists local residents in navigating open enrollment periods and selecting coverage that meets their medical needs and budget. The agency helps with plan comparisons and application submissions for those new to the health insurance marketplace. With winter approaching, it can advise on securing coverage to protect against unexpected illness or injury-related medical costs.

FI
2700 1st St N #215
Federated Insurance Co
Health Insurance Agent · St Cloud, MN

Federated Insurance Co in St Cloud assists local residents and businesses in navigating health insurance options, with a focus on matching plans to individual coverage needs and budgets. The agency serves as an intermediary between clients and carriers, clarifying policy details, enrollment periods, and claims processes. It also offers specialty health coverage add-ons, such as dental, vision, and critical illness policies, to supplement major medical plans. The company is equipped to serve the health insurance requirements of various commercial sectors, including office complexes, warehouses, and food service establishments.

BL
3400 1st St N Ste 204
Bankers Life
Health Insurance Agent · St Cloud, MN

As winter weather in central Minnesota brings an increased risk of slips and falls, residents often seek dependable coverage for medical expenses. Bankers Life in St Cloud assists clients by explaining various types of health insurance policies available locally. Their services focus on matching individuals with plans that address both routine care and unexpected medical needs. These agents also clarify open enrollment periods and potential out-of-pocket costs. For anyone uncertain about their current coverage, they offer an in-person inspection of existing plans or an initial risk-assessment meeting.

MA
536 25th Ave N
Moe Agency Inc
Health Insurance Agent · St Cloud, MN

Moe Agency Inc of St Cloud, MN is a health insurance agent guiding individuals and families through their coverage options. The company assists clients in selecting individual plans, group policies, and supplemental health products that fit their needs and budgets. Navigating open enrollment periods and understanding plan benefits are core parts of its service. Specializing in short-term health insurance solutions, the agency helps cover temporary coverage gaps between major medical plans or life transitions.

NR
622 Roosevelt Rd Ste. 240
North Risk Partners
Health Insurance Agent · St Cloud, MN

North Risk Partners serves residents of St. Cloud by helping them find appropriate individual health insurance plans. The agency also advises local businesses on group commercial coverage options, serving clients throughout the surrounding central Minnesota region. An agent can review a client’s current policy each year during open enrollment and recommend adjustments if health needs change. Following an initial consultation, the office provides ongoing support for claims questions and policy changes between regular annual visits to ensure coverage remains suitable.

RS
1812 25th St SE
Ray Sauer Insurance & Financial
Health Insurance Agent · St Cloud, MN
(320) 208-9250
MH
1500 Oak Grove Rd SW #109
Mark Helminick
Health Insurance Agent · St Cloud, MN
(320) 230-9147
insurancebrokersmn.com/contact-us/office-locations/st-cloud
MS
3240 Santa Fe Trail
Medicare Supplements Minnesota
Health Insurance Agent · St Cloud, MN
(800) 420-8298
medsuppsmn.com/index.php/contact-us/get-a-quote
HA
3240 Santa Fe Trail
Hausmann
Health Insurance Agent · St Cloud, MN
(612) 968-3269
medsuppsmn.com
IN
22 Wilson Ave NE Ste 207
Independent
Health Insurance Agent · St Cloud, MN
(320) 656-5828
superpages.com/bp/saint-cloud-mn/independent-insurance-consultants-L2710492505.htm
HA
2789 Clearwater Rd #C
Hansen
Health Insurance Agent · St Cloud, MN
(320) 309-9594
hmhanseninsurance.com

What Does a 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 case and depend on your specific needs and eligibility for subsidies through MNsure. This is general information and does not constitute insurance advice.

About health insurance agents in St Cloud

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.

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.

Health Insurance Agents in Other Minnesota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each health insurance agent's credentials and current standing with your state Department of Insurance.