Hi, I definitely recommend to contact insurance brokers which have an access to multiple insurances. Doing so you would save a lot of money, time and you can choose the product which serves you the best. I personally have used Atlas Insurance Brokers and Zander for all my insurance needs and it has been very positive experience. You could contact also to MinnesotaCare Operations, even if your income is higher than their limits, they will help you to find another reasonable priced health insurance. Good luck!