<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
  <url>
    <loc>https://www.options.health/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.options.health/life-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.options.health/medicare/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.9</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/best-self-employed-health-insurance-minnesota/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/blue-cross-vs-medica-vs-healthpartners/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/cost-of-health-insurance-minnesota/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/do-brokers-charge-fees/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/health-insurance/mnsure-vs-buying-direct/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/group-health-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/individual-and-family-dental-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/individual-family-health-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/individual-family-vision-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/long-term-disability/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/medicare-advantage/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/medigap/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/mnsure-health-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/part-d/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/qsehra-ichra-employer-plans/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/term-life/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/travel-insurance/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/insurance/whole-life-final-expense/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/medicare/advantage-vs-medigap/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/medicare/medicare-advantage-downsides/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.options.health/life-insurance-calculator/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/medicare-cost-calculator/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/medicare-enrollment-guide/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/mnsure-enrollment-guide/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/mnsure-subsidy-calculator/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/carver-county-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/chanhassen-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/chaska-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/eden-prairie-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/shakopee-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/southwest-metro-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/victoria-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/service-areas/waconia-mn/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/about/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/about/erik-roti/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/about/janel-morris/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/about/tippy-sourignavong/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/about/tom-wertish/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers-we-represent/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/aetna/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/blue-cross-blue-shield-minnesota/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/healthpartners/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/humana/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/medica/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/carriers/unitedhealthcare/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/contact/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/resources/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/reviews/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/why-options-health/</loc>
    <lastmod>2026-06-19</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- ==================== BLOG POSTS ==================== -->
  <url>
    <loc>https://www.options.health/blog/cobra-vs-aca-marketplace-minnesota/</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/life-insurance-business-owners-buy-sell-key-person/</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/medicare-while-still-working-past-65/</loc>
    <lastmod>2026-07-13</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/aca-subsidy-changes-2026-minnesota/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/cms-2027-medicare-advantage-rate-changes/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/final-expense-insurance-explained/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/group-health-insurance-renewal-questions-mn-employers/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/individual-vs-family-health-plans-premium-minnesota/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/life-insurance-after-50-policy-review/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/medicare-advantage-vs-medigap-carver-county/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/medicare-annual-enrollment-period-2026-key-dates/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/mnsure-subsidy-change-how-to-check/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/open-enrollment-2027-minnesota-families/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/qsehra-vs-ichra-small-business-minnesota/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/small-business-health-benefits-without-group-plan-chaska/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/term-vs-whole-life-insurance-minnesota-family/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.options.health/blog/turning-65-minnesota-medicare-enrollment-timeline/</loc>
    <lastmod>2026-07-07</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
</urlset>
