Resources

Resources

Stay informed and make confident insurance decisions with helpful resources and timely updates. I regularly share insights on important topics like Medicare enrollment periods, health insurance changes, and tips for choosing the right coverage for your needs.

Your Complete Guide to Individual Health Insurance in Minnesota: What You Need to Know Before Open Enrollment

December 6, 2025

Navigating Minnesota’s individual health insurance market can be daunting for those under 65 without employer coverage. This guide clarifies options like MNsure, offering premium tax credits and assistance programs. Key considerations include provider networks, prescription coverage, and annual deductibles. Secure coverage during open enrollment to protect your health and finances.

I’m Turning 65 — Now What? A Medicare Guide for Beginners

October 12, 2025

Turning 65 marks Medicare eligibility, introducing federal health insurance navigate challenges. This guide details the Initial Enrollment Period, the distinction between Original Medicare and Medicare Advantage, and the importance of timely enrollment to avoid penalties. Early research, understanding coverage options, and seeking guidance are essential for a smooth transition to Medicare.

Are You Losing Your Medicare Advantage Plan in 2026? Here’s What You Need to Know!

September 9, 2025

If you’re one of the many Minnesotans enrolled in a Medicare Advantage plan, you may have heard that one of the major Medicare Advantage carriers

5 Common Medicare Mistakes to Avoid This AEP

September 5, 2025

The Medicare Annual Enrollment Period (AEP) runs from October 15th through December 7th, and it’s one of the most important times of year for Medicare

Medicare Advantage vs. Medicare Supplements: Your Complete Guide for Annual Enrollment

August 6, 2025

With the Medicare Annual Enrollment Period rapidly approaching (October 15th through December 7th), now is the perfect time to understand the key differences between Medicare

Questions? Contact us!

Have questions about your insurance options or need help understanding your coverage? I’m here to provide clear, honest guidance tailored to your specific situation. With over 16 years of experience helping clients navigate insurance decisions, I make complex topics simple and accessible.

16 Years of Experience
Extensive knowledge across all insurance types, with special expertise in Medicare

Quality Plans
Access to top-rated insurance carriers and coverage options in Minnesota

Personalized Plans
Custom solutions designed around your unique needs and budget

Personal Support
Direct access to me for questions, policy reviews, and ongoing guidance

Medicare Specialty
Certified Medicare specialist with hundreds of successful enrollments

Trusted Results
Proven track record of helping clients find the right coverage at the right price

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Todd Ostrow