Individual & Family Health Insurance

Health Insurance Plans thru the Mari Berggren Agency of Moorhead, Minnesota.

Who needs individual health insurance?

Individual health insurance is for those who do not have access to employer-sponsored or government-run health coverage. This includes people who are employed by a small business that doesn’t provide health benefits, people who are self-employed, and people who retire before they’re eligible for Medicare and have to purchase their own health coverage until they reach age 65.

Where can consumers buy individual health insurance coverage?

  • Individual & Family health insurance is available by purchasing coverage on-exchange or off-exchange. 
  • Off-exchange coverage means purchasing a policy directly through the insurance company.
  • On-exchange coverage means purchasing a policy through the state marketplace or exchange.
  • In Minnesota, the marketplace is called MNsure.
  • The North Dakota marketplace is called

Some individuals and families may qualify for premium tax credits and cost-sharing reductions that are only available by enrolling through the marketplace.

In both cases — on-exchange or off-exchange — individual health insurance is only available to purchase during the Annual Enrollment Period or during a Special Enrollment Period triggered by a qualifying event.

In most states, the annual open enrollment period runs from November 1 to December 15, with coverage effective January 1. (Read More

Learn about Special Enrollment Period for MNSure. (Read More

Learn about Qualifying Events for MNSure.  (Read More)

Call 218-512-0536 or click below to schedule an appointment with us today!

Schedule an Appointment with Mari Berggren.