☎ 952-444-9720Contact us☎ 952-444-9720Contact usComprehensive and objective. We represent multiple insurance carriers and believe our clients deserve a comprehensive review of their options. We educate first, explain tradeoffs honestly, and help Minnesotans make informed healthcare decisions with confidence.
Office hours and session times occasionally change — worth a quick final check before you head in. The About page shows today’s status live. Last-minute changes are almost always weather or health related. Sessions post up to 90 days ahead, so details can occasionally shift between registering and the day itself — usually only slightly, and if you’ve registered we’ll email you about any change. Better a ten-second check than a wasted trip.
Consultants, brokers, agents — we work hard for you!
Hover any name or carrier below for a quick detail.
Joshua HabermanOwner, CEO, Consultant, Broker, Agent, Helper
Nicole Luedtke
Jackie Rusch
Denielle Breimhorst
Brittany BradleyOn LeaveCarrier and plan availability varies by county and year — we’ll confirm exactly what’s offered where you live.
We work in three roles, and you deserve to know exactly how each one pays us. As consultants — our work at its most comprehensive and objective — individuals and employers engage us directly, and pricing is agreed with you at the onset. As your broker, we offer plans from carriers that are practical to contract with and that pay meaningful compensation — the insurer pays us, your premium is identical either way, and we’re transparent about that filter. In lines where the law only lets us act as an agent — Medicare above all — we are technically the carrier’s representative, paid only by carriers at government-regulated rates, and held to a suitability standard: explaining products and helping you find one suitable for you. We strive to act in your best interest in every role; where federal rules effectively make a true fiduciary arrangement impossible, we’ve been open about preferring it otherwise — and we follow the law as written. The specifics, in plain language →