SAINT PAUL, MN: The Minnesota Department of Commerce’s Enforcement Division has reached a settlement agreement with Strategic Limited Partners, LP, an unlicensed company that was selling unauthorized and deceptive health coverage in Minnesota.  

The Department found that the company, and individuals acting on its behalf, sold unauthorized health plans to over 1,700 Minnesota consumers. In some cases, consumers believed they were speaking on the phone to a representative from MNsure and enrolling in coverage through the state’s official health insurance marketplace. 

Instead, the company purportedly made all customers so-called "limited partners" and falsely claimed that the plans were governed by federal law and not subject to state insurance regulations. Later, consumers discovered that health care providers wouldn’t accept the coverage, and the company often denied or failed to pay claims, leaving consumers with unexpected and sometimes significant medical bills. 

“This is a cautionary tale,” said Commerce Assistant Commissioner of Enforcement Jacqueline Olson. “As open enrollment begins, Minnesotans should be extremely careful when selecting health coverage. If it sounds too good to be true, or if the company isn’t licensed in Minnesota, that’s a red flag.” 

"The easiest way to make sure you're getting good, comprehensive coverage from a trusted company in Minnesota is to shop at MNsure.org," added MNsure CEO Libby Caulum. “All plans found on MNsure.org are certified and meet consumer protection standards. And we don’t make unsolicited calls or promote specific health plans to consumers.” 

Under the terms of the consent order: 

• Strategic Limited Partners, LP must cease all insurance-related operations in Minnesota no later than December 31, 2025. 
• The company must notify all current Minnesota customers by November 1, 2025 of its exit from the marketplace. 
• The company is required to pay all outstanding claims owed to Minnesota consumers and provide proof of payment to the Department. 
• Strategic Limited Partners must pay a $290,000 civil penalty. Of that, $250,000 is stayed—but will become due if the company fails to follow through on the required consumer repayments or violates the agreement. 

Consumers who purchased coverage from Strategic Limited Partners and believe they are owed money due to an outstanding claim are encouraged to contact the Minnesota Department of Commerce. Consumers who need new health insurance for 2026 are encouraged to shop at MNsure.org during open enrollment, which begins November 1. 

“Protecting Minnesota consumers is our top priority,” said Olson. “This action makes clear that we will not tolerate unlicensed companies putting Minnesotans at risk by skirting the law.” 

The Minnesota Department of Commerce is here to help: Minnesota consumers and businesses can contact Commerce’s Enforcement Division about concerns or complaints:  

• File a complaint online  
• Email: consumer.protection@state.mn.us   
• Verify whether a company is licensed to sell insurance in Minnesota: License Lookup. 
• Search Commerce Actions and Regulatory Documents to view past enforcement actions. 

Connect with the Minnesota Commerce Department 
Get updates and news from the Minnesota Department of Commerce by following Commerce at mn.gov/commerce or @MNCommerce on social media.

Contact
Minnesota Department of Commerce
news.commerce@state.mn.us

MNsure
Mary.Robinson@state.mn.us