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If you think you can't afford health insurance, you're wrong. The reality is, given the high cost of medical care today, you can't afford to go without health insurance. At Dennis & Silvia Conger Insurance Agency, we specialize in finding affordable coverage, no matter what your needs. Whether you're an individual seeking insurance for yourself and your family, or a business owner seeking to provide coverage for your employees, we can help-without breaking your budget.

Consumer Directed Health Plans (CDHPs)

Looking for a Health Savings Account (HSA) compatible health plan? We can help with that, too. For information about HSAs, all you need to do is ask. Or, go to our links page under "HSA Administrators," or "Health Savings Accounts," and also, if you are a group; under the heading "Third Party Administrators (TPAs)." (scroll down to find the actual links)

Next to HSAs, Health Reimbursement Accounts (HRAs) are also important in today's health insurance landscape. HRAs are used in groups of all sizes, and even in individual insurance with "Mom and Pop" family establishments where the family members have individual insurance. One of the companies we work with, Benefits Design Group, is an expert on HRAs. For more about HRAs, ask us or go to our links page under the heading "Third Party Administrators (TPAs)," and click on Benefits Design Group. (scroll down to find the actual links) HSAs and HRAs both are what give Consumer Directed Health Plans (CDHPs) their name. HSAs, HRAs, and often both combined comprise the backbone of many of our custom-designed group plans. Did you know that, by custom-designing a group plan, it is possible that your group can enjoy all of the benefits and cost-savings of CDHPs without having to dismantle your employees' current level of coverage? Working with us, or with other agencies willing to custom-design group health plans, there is a way for many employers and employees to avoid much of the pain so prevalent in today's group health care scene.

Free agency quote:

Individual & Family Medical Insurance Group Medical Insurance

• Blue Cross Blue Shield of MN
• Preferred One
• Health Partners
• Medica
• UCare