Broker Check

Individual & Family Health Plans

At Witthauer Financial Group we offer plans for Individuals and families.    

Since 2014 there have been numerous changes in the healthcare industry.  With the Healthcare Marketplace starting and allowing people to receive a tax credit based on income, how does one know if they are qualified?  How do I know when I can sign up?  We have created a few guides to navigating the healthcare marketplace as well as a FAQs sheet, to give you a better understanding of how things work.  You can always find up-to-date information on the Healthcare Marketplace website: as well.

Through our office, we offer Blue Cross Blue Shield, Medica, and Sanford health plans.  The same plans are offered on-exchange or off-exchange.  On-exchange is through the website and is for those that are eligible to receive a tax credit based on household size and income.  Off-exchange is going direct through the insurance and tax credits are not offered because of higher income or other family circumstances that may eliminate you from receiving a tax credit.  The plans offered are all the same; with the exception that if you are on the marketplace and your income falls in a certain level, you will receive a “cost-share reduced” plan.  This means your deductibles and out of pocket maximums would be lowered.

Contact us today to find out if you qualify for a tax credit, or go online to the calculator or to

You can also visit the following websites to check out regular, full priced plans if you know you don’t qualify for a tax credit:

Blue Cross Blue Shield of North Dakota



Not sure what you qualify for or where to start?  Click "Get a Quote" and we will do the work for you!  


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