2021 Affordable Health Insurance Plans in North Dakota

Enrolling in a health insurance plan in North Dakota is a straightforward process. At HealthCare.gov, you can browse Affordable Care Act (ACA) marketplace plan options and quickly see if you qualify for a subsidy to pay your premiums. North Dakota’s Special Enrollment Period due to COVID-19 ended August 15th, 2021. If you’ve had a qualifying life event, you may still be eligible to enroll in 2021 coverage. The next opportunity to enroll in an ACA plan is otherwise during the annual open enrollment period, November 1st, 2021, through December 15th, 2021. If you enroll during the open enrollment, your coverage will be effective January 1st, 2022.

Highlights and Updates

  • North Dakota residents can purchase health insurance through the federal marketplace, healthcare.gov.
  • You can enroll in 2021 marketplace coverage if you have a qualifying life event.
  • Open enrollment for 2022 marketplace coverage is from November 1st to December 25th, 2021.
  • Short-term health insurance is available in North Dakota for up to 36 months.
  • North Dakota has an average benchmark premium of $493.
  • For 2021, North Dakota has three health insurance company options: Blue Cross Blue Shield of North Dakota, Medica, and Sanford Health Plan.
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How To Buy Health Insurance in North Dakota

To purchase coverage through the Health Insurance Marketplace, visit healthcare.gov. You can enroll in a plan during the open enrollment, a Special Enrollment Period, or if you experience a qualifying event. If you are eligible for coverage that meets the minimum standards through your employer, you will not be eligible for a premium subsidy for a marketplace plan.

How To Apply for Health Insurance in North Dakota

To apply for health insurance in North Dakota, visit healthcare.gov and complete an application. The application will ask questions about your income and family, and you will need to submit proof of income to enroll in a plan. All of the available plan options offer Essential Health Benefits.

Health Insurance Carriers in North Dakota

North Dakota has three health insurance companies offering coverage on the federal marketplace: Blue Cross Blue Shield of North Dakota, Medica, and Sanford Health Plan.

What Are the Cheapest Health Insurance Companies in North Dakota?

Sanford Health offers the cheapest marketplace health insurance plans for North Dakota.

Plan rates may vary depending on your ZIP code.

How Has Obamacare Helped North Dakota’s Uninsured?

North Dakota accepted the Medicaid expansion portion of the Affordable Care Act (Obamacare). Of the 70,000 uninsured residents in 2013, 39% became eligible for Medicaid. An additional 31% of uninsured North Dakotans became eligible for subsidies for marketplace plans.

North Dakota Health Insurance Costs Overview

Health insurance in North Dakota is available in three metal tiers: Bronze, Silver, and Gold. Bronze plans typically have high deductibles and offer limited services, while Gold plans often have high premiums but include the most comprehensive coverage.

How Much Does Health Insurance Cost in North Dakota?

According to the KFF, the average 2021 benchmark premium in North Dakota is $493.

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What Is the Cheapest Health Insurance Plan in North Dakota?

The cheapest marketplace plan for North Dakota residents is the Sanford TRUE $7,000 plan for $219.89 per month for the average 35-year-old in Cass County. The plan has a yearly deductible of $7,000. Premium costs may depend on your age and location. Your premium may also be significantly less if you qualify for a tax credit premium subsidy.

Cheapest North Dakota Health Insurance Coverage by Metal Tier

The following are monthly premiums for the average 35-year-old living in Cass County.

Bronze Plans

The Sanford TRUE $7,000 plan is the most affordable Bronze-tier coverage with monthly premiums of $219.89. Coverage has a $7,000 deductible and an out-of-pocket maximum of $8,400.

Silver Plans

The Sanford TRUE $4,750 plan is the lowest-cost Silver-tier coverage with monthly premiums of $392.97. The plan has a $4,750 deductible and an out-of-pocket maximum of $8,150.

Gold Plans

Sanford TRUE $1,750 plan is the most affordable Gold-tier coverage costing $358.63 monthly. The deductible is $1,750, and the out-of-pocket maximum is $6,250.

North Dakota Health Insurance Costs by Occupation

What Is the Average Cost of Health Insurance for a Student in North Dakota?

Students in North Dakota have the option to remain on a parent’s health coverage until they turn 26 or enroll in a marketplace plan. Costs vary, but staying on a parent’s coverage is generally the less expensive option.

What Is the Average Cost of Health Insurance for the Self-Employed in North Dakota?

Self-employed persons can enroll in an individual marketplace plan at the standard rates.

What Is the Average Cost of Health Insurance for Small Business Owners in North Dakota?

North Dakota small business owners with 1-50 employees can purchase health insurance for them through SHOP, the Small Business Health Options Program. Costs for these plans vary based on plan and employee age.

North Dakota Health Insurance Costs by Number of Participants

What Is the Average Cost of Health Insurance for Families in North Dakota?

For a non-smoking couple with two children earning $75,000, the median monthly premium cost for health insurance in North Dakota is $1,299.83. An estimated tax credit or subsidy of $1,016 a month would be available to a family with this income, making the cost of family coverage $283.83 per month.

What Is the Average Cost of Health Insurance for Individuals in North Dakota?

For individuals, the benchmark premium for coverage in North Dakota across all health insurance tiers is $493.

What Is the Average Cost of Health Insurance for a Child in North Dakota?

Children in North Dakota are eligible for Medicaid if their family income is below a certain amount. Children not eligible for Medicaid may qualify for affordable coverage through the Healthy Steps Program. Both programs offer health and dental coverage.

Other Types of North Dakota Health Insurance Coverage

Catastrophic Health Insurance in North Dakota

North Dakota has catastrophic health plans available, which offer low premiums and high deductibles. They are only offered to applicants under the age of 30. If you qualify for premium subsidies, other plan options may be equally affordable.

Short-Term or Temporary Health Insurance in North Dakota

Short-term health insurance is available in North Dakota for up to 36 months. Be advised: short-term plans are not required to meet the federal minimum standards set forth by the ACA. Short-term plans may exclude pre-existing conditions, preventive care coverage, or entire coverage categories like prescriptions or mental health.

Low-Income Health Insurance in North Dakota

Low-income residents in North Dakota may qualify for Medicaid through the North Dakota Department of Human Services.

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