Individual & Family Health Insurance — Built Around Your Budget
Whether you qualify for an Advanced Premium Tax Credit, need off-exchange coverage, or are bridging the gap to Medicare — Amy finds you the right plan at the best value. No fees, ever.
You may qualify for a significant premium discount
Health Insurance Exchanges offer an Advanced Premium Tax Credit (APTC) based on your estimated future gross income for the year you want coverage. Many people qualify and don’t realize it — including self-employed individuals and those between jobs.
If you prefer not to share your income details, you can enroll directly with a carrier off-exchange without an APTC. Amy can help you understand which option makes more sense for your situation.
As a MNSure Certified Assister, Amy can help with enrollment, monitor application progress, determine eligibility for a premium discount, and be a real person to call when you need help.
Advanced Premium Tax Credit (APTC)
A federal subsidy that lowers your monthly premium — paid directly to the insurer on your behalf. Based on household size and estimated annual income.
Key facts:
- ✓ Income between 100–400% of the federal poverty level
- ✓ No employer-sponsored coverage available
- ✓ Not eligible for Medicaid or Medicare
- ✓ Must enroll through the marketplace
Special Enrollment Period (SEP) — did you experience a qualifying life event?
Marriage · New baby · Job loss · Moved to a new area · Loss of income · Loss of other coverage
How often do you visit a doctor?
Your doctor visit frequency is the single best predictor of which coverage type will save you the most money.
Not Much
Healthy and rarely need care? A health share or high-deductible plan paired with Direct Primary Care may cut your costs in half.
Explore Cost SharingMore Often
Regular prescriptions, specialists, or chronic conditions? A marketplace plan with your doctors in-network makes sense.
Shop Marketplace PlansAvoid It
Prefer natural and alternative health approaches? We have resources to support your lifestyle with the right safety-net coverage.
Natural RemediesNot Sure Yet
Download Amy’s Health Planning Worksheet and compare all your options side by side before making a decision.
Download WorksheetEnroll directly — off-exchange
In Minnesota, you can enroll off-exchange directly with these carriers — no income reporting required. Amy is appointed with all of them.
MNSure — Minnesota’s Official Marketplace
Use MNSure Assister ID 5503492 and request Amy Nielsen. An Assister helps with enrollment, monitors your application progress, determines APTC eligibility, and is a real person to call when you have questions.
MNSure Assister ID: 5503492 · Amy Nielsen, Lifestyle Advisors
Ancillary & supplemental insurance
Fill the gaps in your coverage with affordable add-ons for critical illness, hospital stays, travel, dental, and vision.
Critical Illness
A lump-sum cash benefit paid directly to you when diagnosed with a covered critical illness — cancer, heart attack, stroke. Use it however you need.
Get a quoteHospital Indemnity
Daily cash payments for each day you’re hospitalized. Pairs perfectly with high-deductible or health share plans to offset out-of-pocket costs.
Get a quoteTravel Insurance
International travel health coverage through Blue Cross Blue Shield Global. Protect yourself when your domestic plan doesn’t follow you abroad.
Explore plansDental & Vision
Standalone dental and vision plans available through multiple carriers. Shop and compare through Amy’s direct carrier links.
Browse dental & visionShort-Term Medical
Bridging a gap between jobs or waiting for coverage to start? Short-term plans provide temporary protection during transition periods.
Ask Amy about optionsMedical Cost Sharing
Not technically insurance — a community-based alternative that shares medical costs. No enrollment period, lower monthly costs.
Learn about cost sharingBridging the gap to Medicare without breaking the bank
If you’re approaching 65 but not quite there, or retiring early before Medicare eligibility, you need a strategy. The gap can be expensive — but it doesn’t have to be.
- Early voluntary or involuntary departure from employer group coverage
- Younger spouse who still needs individual coverage
- End of spousal coverage or COBRA expiration
- Self-employed and transitioning to retirement
Find your plan on HealthSherpa
Amy is a certified HealthSherpa agent. Shopping through her link connects your application directly to her so she can monitor progress, answer questions, and help at enrollment — at no cost to you.
- 1Enter your zip code and household sizeTakes about 5 minutes total
- 2Enter your estimated annual incomeUsed to calculate your APTC subsidy — stays private
- 3Compare plans by premium, deductible, and networkFilter by your doctors, prescriptions, or budget
- 4Enroll — Amy monitors your applicationShe’ll reach out if anything needs attention
Shop Plans Now
Compare ACA marketplace plans by premium, deductible, network, and drug coverage. Subsidies applied automatically.
Shop on HealthSherpa →Already enrolled? Book an annual review with Amy
Let Amy compare the options for you — free
No pressure, no fees. A 15-minute call can clarify which plan type, carrier, and enrollment path gives you the best coverage at the lowest total cost.