Karen J.W. Breitnauer, J.D.

Senior Compliance Attorney

Karen Breitnauer is a senior compliance attorney at M3 Insurance. She is responsible for providing compliance information and guidance to clients through education and consultation. In her role she serves as the senior legal staff resource for public and private sector entities on specific compliance topics. Those topics include health care reform, COBRA, HIPAA, FMLA, ERISA and more.


Karen earned her Bachelor of Arts degree in history and political science from Concordia College in Moorhead, Minnesota and her Juris Doctor (J.D.) from the University of Wisconsin Law School. She began her insurance career with American Family Insurance in the legal and claims departments of the Madison and Milwaukee offices. In addition to her insurance experience, Karen practiced family law and was a sales representative for RIA and Dale of Norway, Inc. Before joining M3 in 2010, Karen was the compliance manager and HIPAA privacy officer at Dean Health Plan, Inc. During the past decade, she has focused on the compliance efforts of our clients. This includes group speaking engagements, creating proprietary educational materials and individual client compliance reviews. This included becoming the lead resource and an industry expert during the implementation of the Affordable Care Act (ACA).


Karen is licensed to practice law in Wisconsin and is a member of the State Bar of Wisconsin.

Community Impact

Karen engages in multiple professional groups, focusing on her legal expertise. She chairs the employee benefits subgroup of the Legal Counsel Working Group for the Council of Insurance Agents & Brokers (CIAB) and heads the Human Resources Committee at St. James Lutheran Church in Verona, Wisconsin.