Our Team

“I take great pride in helping people understand their individual health and Medicare health plan options based on their needs, because I believe that true health insurance reform will happen when people have information they can understand and use.”

John Ulness started Ulness Health Insurance Agents (then known as Benefit Options 1­2­3), in 2000. John has seen many changes in the health insurance industry, from the creation of Medicare prescription drug plans and the Medicare Advantage program, to the implementation of the Affordable Care Act (aka Obamacare), and has become an expert in all aspects. John served a two-year term as chairman of the Legislative Committee of the Wisconsin Association of Health Underwriters where he worked with attorneys and industry consultants to shape the future of health insurance laws in Wisconsin. John is a 1977 graduate of the University of Wisconsin – Eau Claire. He believes consumers will ultimately reform our health care insurance system by insisting on a model that rewards health, not illness.

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“Health insurance can be complicated. I tell people, “I used to teach 1st grade so I’m going to start at that level. You tell me if I am going too slow.” No one has ever stopped me. Making things understandable is what we do.”

In 2007, Pam joined her husband in the business. As an insurance agent, she uses her skills as a former teacher to educate clients about the complicated business of health insurance. Pam is an expert in Medicare Advantage plans, Medicare prescription drug plans, and individual & family health insurance plans. Pam is a 1977 graduate of the University of Wisconsin – Eau Claire. Pam spends most of her free time with her six grandchildren and going for walks with her beloved golden retriever, Jordy.

“I never imagined I’d be helping people with their health insurance choices, but now that I am I can’t picture doing anything else. I love all the people that I get to meet!”

Marit Ulness, daughter of John and Pam, joined the family business in 2010. Since then, Marit has blossomed into a great insurance agent. Marit’s outgoing personality and positive attitude make her well-suited for an industry that can be frustrating and complicating for clients. Marit is an expert in Medicare Advantage plans, Medicare prescription drug plans, and individual & family health insurance plans. She is especially adept at navigating HealthCare.Gov’s “Obamacare” website. Marit is a 2008 graduate of the University of Wisconsin – Stevens Point. She is the mother to three wonderful young boys: Owen, Jens, and West.

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“Working for our small family business is so rewarding. It’s always a challenge to navigate our quickly-changing industry and stay on top of everything that needs to be done to keep our agency going, but the best part is always helping clients.”

Erik Ulness, John and Pam’s oldest son, joined Ulness Health in 2014 as a broker and agency manager. He is also the founding broker of the Minnesota office. Erik performs many of the business administrative duties for the agency including agent contracting, agency acquisitions, and financial reporting. Erik is a 2004 graduate of Luther College and a 2007 graduate of the University of Minnesota Law School. He and his wife, Annie, spend their free time hiking, traveling and adventuring with their young son, Arne.

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