Individual/Family Health Plans


Health Plans are as Unique as You

There are few things more important to you and your family than having access to the healthcare you need, without gouging into your household budget. And we understand that navigating the particulars of each health plan to find the right coverage is often a confusing and frustrating undertaking.It doesn’t have to be this way. We will quickly and expertly guide you through the entire selection process. We’ll discuss your specific needs and preferences to find the plan that delivers optimal coverage at the lowest monthly premium. 

Plans To Fit Your Needs

Have you established relationships with doctors and want to keep them in your network? What deductible works for you? Do you need a plan that covers more office visits per year? We’ll discuss these and other important questions on our way to helping you find a plan that meets your needs. 


What is MnSure?

MNsure is not an insurance company. MNsure is Minnesota's health insurance marketplace where individuals, families and small businesses can shop, compare and choose health insurance coverage that meets their needs.MNsure is the only place you can apply for financial help to lower the cost of your monthly insurance premium and out-of-pocket costs. Most Minnesotans who enroll through MNsure qualify for financial help. Also available to those who qualify are low-cost and free health insurance options provided through government-sponsored health insurance programs Medical Assistance and MinnesotaCare. If you qualify for and enroll in one of these programs, your health coverage is managed through the Department of Human Services.  



Burgau Insurance Agency agents are MNsure Certified — which means we can expertly help you navigate the process of enrollment from start to finish. A MNsure trained agent will assist you in estimating and applying for tax credits, choosing a health plan that fits your needs, and submitting an application. 

Ongoing Support


Service doesn't stop after enrollment! As your personal Assister, we are able to speak directly to MNsure or the insurance carrier on your behalf. 

• Special Election Enrollments

• Changes to Income

• Report Life Event Changes

• Claim/Premium Issues

• Annual Review

Contact Us


Email Burgau Insurance Agency today at or call 1-877-724-2365 for more information or to set an appointment.

As a MNsure certified brokerage, we are able to offer all plans available to you in Minnesota, and provide professional customer support throughout the year.

Open Enrollment Has Ended But You May qualify to enroll now


 A new customer can enroll in private health insurance during the annual enrollment period which runs November 1 to January 14. If you qualify for a Special Enrollment Period you can enroll in a private health plan or change to another private plan if you experience a qualifying life event.

Buying health insurance can be complicated! Contact us today so that we can assist you with the process of creating a MnSure account, applying with or without financial help, enrolling in a plan and updating and managing your account throughout the year.

Find out more

Qualifying Life Events for Special enrollment periods

Loss of Qualifying Health Coverage


  • You may qualify for a special enrollment period if you or someone in your household lost qualifying health insurance in the past 60 days OR expect to lose coverage in the next 60 days. For example, when Medical Assistance or MinnesotaCare coverage ends or employer-sponsored coverage ends because a job is ending. This includes those who want an alternative to COBRA continuation coverage.
  • Voluntary loss of coverage because premiums were not paid on time, including COBRA premiums, does not qualify you for a special enrollment period.

Change in Eligibilty for Coverage through MNsure


  • Gain of citizenship, U.S. national or lawfully present status or a change in incarceration status that makes you newly eligible for a qualified health plan.
  • For MNsure enrollees, a change in circumstances that makes you newly eligible or ineligible for advanced premium tax credits or cost-sharing reductions.
  • Changes in the terms of your employer-sponsored coverage that make it no longer affordable to you or no longer meet minimum value requirements.

Change in Residence


  • Making a permanent move to a new county or zip code that provides new qualified health plan options can qualify you for a special enrollment period.  To qualify, you must have had qualified health plan coverage for at least one day during the 60 days before your move, unless you are moving to Minnesota from a foreign country or U.S. territory.
  • Making a temporary move or a move for purposes of receiving medical treatment does not qualify you for a special enrollment period.  

Change in Household Size


  • Marriage
  • Gain of a dependent through birth of a child, adoption, foster care or a child support order.
  • Loss of a dependent through divorce or death while you are enrolled in a qualified health plan through MNsure.

Enrollment Error

If you believe that there is an error on your enrollment that was caused by MNsure action or inaction, or by your navigator or broker, then you might be eligible for a special enrollment period to enroll or change plans.  

Other Qualifying Events


  • Victims of domestic abuse or spousal abandonment.
  • Failure to enroll during an enrollment period because of circumstances beyond your control, such as a natural disaster.
  • Loss of eligibility for a hardship exemption during a coverage year.