Health Plans for Minnesotans Under 65
Compare Medicare Plans with Trusted Advisors in Minnesota
Health insurance shouldn't be confusing; whether you're self-employed, between jobs, or just looking for a better fit. At Schatz Benefits, we help Minnesotans under age 65 compare their Individual & Family Health Plan options. From Marketplace (ACA) plans to short-term coverage and dental & vision add-ons, we'll guide you through every step with clear answers and personal support.
Your Health Plan Options-Made Simple
We offer a range of Individual & Family Health Plans to suit different needs and budgets. Our team will explain the differences and help you select the right one:
ACA Marketplace Plans
Affordable Care Act
These plans (sometimes called Obamacare) are available through MNsure, Minnesota's health insurance marketplace. They cover essential health benefits and can include financial assistance to lower monthly premiums.
Great for:
Those looking for comprehensive coverage, including preventive care and pre-existing condition protections.
Short-Term Health
Insurance Plans
Short-term plans offer temporary coverage, typically for a few months to a year. They're designed for people in coverage gaps, such as between jobs or after losing employer insurance.
Great for: Those needing affordable, stopgap coverage while transitioning between plans.
Dental & Vision Plans
Keep your smile and eyesight healthy with optional dental and vision plans. These add-ons help cover exams, cleanings, glasses, and more, whether you have major needs or just want preventive coverage.
Great for: Families and individuals wanting extra protection beyond medical plans.
Not Sure Where to Start?
If you're unsure which plan is right for you (or need help sorting through your options) we're here to guide you. Our friendly team can answer your questions and walk you through everything step by step.
Great for: Anyone feeling overwhelmed by health insurance choices.
How Medicare Parts A, B, C & D work
Personalized, Local Help for Every Health Plan Search
Why Work with Schatz Benefits?
Navigating health insurance on your own can feel overwhelming-but it doesn't have to be. Our team makes it easier to find the right plan, apply for coverage, and understand your options. And we're here for you year-round, not just during enrollment season.
Benefits of Working with Us:
Free, no-obligation help from licensed Minnesota advisors
Expertise in ACA, short-term, dental, and vision plans
Personalized recommendations based on your family's needs
In-person, virtual, and phone appointments available
Support before, during, and after enrollment
Common Questions About Individual & Family Plans
Who qualifies for Marketplace health plans?
Marketplace plans are available to anyone under age 65 who doesn't have access to affordable employer coverage. Many Minnesotans qualify for tax credits to lower their costs.
How long can I have a short-term health plan?
Short-term plans typically last from a few months to just under a year. They don't cover everything, but they can help fill gaps in coverage.
Are dental and vision included in regular health plans?
Not usually. Dental and vision plans are separate add-ons for most health insurance options. We can help you compare plans for both.
What's the difference between ACA plans and short-term plans?
ACA plans cover essential health benefits, including pre-existing conditions, and offer financial assistance. Short-term plans are limited, temporary coverage options designed for emergencies or transitions.
Can I get help applying for these plans?
Yes! Our advisors can walk you through the entire application process-either online or in person.