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Minnesota license lookup

How to check an insurance agent's license in Minnesota

Before you share your Medicare number or sign anything, take two minutes to confirm the agent is licensed in Minnesota. Here's where to look, and what you should see.

Last reviewed October 26, 2026. General information, not advice about any plan.

Look the agent up in Minnesota

  1. Ask for their full name and NPN

    Every licensed agent has a National Producer Number. A real agent will give it to you without hesitation.

  2. Open the Minnesota Department of Commerce's license lookup

    Minnesota agent license lookup. It's the official lookup from the Minnesota Department of Commerce. Search by the agent's name or National Producer Number (NPN).

  3. Check four things

    The status is active, the license is for Minnesota (resident or nonresident), it includes a health line of authority, and it hasn't expired.
Agents with our Verified badge have had these checks done by a person on our team, against the state's own records, and the badge shows the date. How we verify

What the results mean

Active
The license is current. This is what you want to see.
Inactive, expired or lapsed
The agent can't legally sell insurance in the state right now. Don't enroll through them.
Resident or nonresident
Resident means their home office is in Minnesota. Nonresident means they're based in another state and licensed to work here. Both are fine.
Line of authority
The kinds of insurance they can sell. For Medicare plans, look for Health or Accident & Health. Life-only isn't enough.
Regulatory or disciplinary actions
Some lookups list fines or other actions. One old, small action may not mean much; several, or a revoked license, is a reason to look elsewhere.

Extra steps for Medicare plans

A state license is the first check. For Medicare plans, two more things apply:

  • Appointment: the agent must be appointed by the insurance company whose plan you're choosing. Ask which companies they represent in Minnesota.
  • Yearly certification: agents who sell Medicare Advantage and Part D drug plans must complete each plan's training and testing every year.

Agents who sell for more than one company must also tell you, before discussing any plan's benefits, how many companies and plans they represent in your area. None of them works for Medicare.

Switching Medigap plans in Minnesota

First-time buyers. People 65 to 70 buying Medigap for the first time can get a policy without health questions during the fall and January–March windows, with a premium surcharge.

This applies to people who already have a Medicare Supplement policy. See every state's Medigap switching rule.

Medigap if you're under 65 in Minnesota

Required. Minnesota insurers cannot turn down people under 65 on Medicare because of a disability or kidney failure (ESRD), or charge them more for their health, if they apply within 6 months of starting Part B; Minnesota uses its own plans, and every insurer must offer a Basic plan and an Extended Basic plan.

Price: Community rated: each insurer charges one rate regardless of age or health.

If you have Part B when you turn 65, you get a new 6-month Medigap open enrollment then. See every state's rule for people under 65.

If something looks wrong

Free, unbiased help in Minnesota: Aging Pathways

Every state has a free Medicare counseling program. In Minnesota it's the Minnesota Aging Pathways, part of the national State Health Insurance Assistance Program (SHIP) network. Its counselors are trained, don't sell anything, and can help you compare your options or check what an agent told you, for free.

Free help that isn't an agent

Medicare.gov, 1-800-MEDICARE (1-800-633-4227, TTY 1-877-486-2048), or Minnesota Aging Pathways at 1-800-333-2433.

Common questions

What license does an agent need to sell Medicare plans in Minnesota?

A Minnesota insurance license with a health line of authority (often called "Accident & Health" or "Health"). To sell a particular company's plans, the agent must also be appointed by that company, and agents who sell Medicare Advantage or Part D plans must complete the plan's training and testing every year.

Can an agent from another state help me in Minnesota?

Yes, if they hold a Minnesota license. Agents based elsewhere get a "nonresident" license for each state they work in. It shows up in the Minnesota Department of Commerce's lookup the same way, marked nonresident.

Does it cost anything to check a license?

No. The lookup is free and open to the public, and you don't need an account.

What if I can't find the agent?

Check the spelling, try their National Producer Number (NPN) instead of their name, and ask whether their license is under a different legal name. If you still can't find an active license, don't share your Medicare number or sign anything, and contact the Minnesota Department of Commerce.

Nearby states

Agents often work across state lines. Check that they're licensed in the state where you live.

Keep reading

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