Enrolling in a health insurance plan in North Dakota is a very straightforward process. At www.healthcare.gov, you can browse the Affordable Care Act (ACA) marketplace plan options and quickly see if you qualify for a subsidy to pay your premiums.
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How to Buy Health Insurance in North Dakota
To purchase coverage through the Health Insurance Marketplace, visit www.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 www.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.
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.
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
How Much Does Health Insurance Cost in North Dakota?
According to the KFF, the average 2022 benchmark premium in North Dakota is $497.
What is the Cheapest Health Insurance Plan in North Dakota?
The cheapest health insurance in North Dakota is the one that suits your medical needs. Contact us today to find a plan that works for you!
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Cheapest North Dakota Health Insurance Coverage by Metal Tier
As 2023 data is not yet available, we have used statistics from 2022 to reflect costs so you can have an idea of what to expect. Current data shows that 2023 premiums will rise by 4 percent for a 27-year-old for a silver benchmark marketplace plan sold through HealthCare.gov.
Note that all costs are 2022 pricing from KFF. (source)
Gold Plans
The average lowest cost premium of a Gold Plan in North Dakota in 2022 was $448.
Silver Plans
The average lowest cost premium of a Silver Plan in North Dakota in 2022 was $478.
Bronze Plans
For a Bronze plan, the average lowest premium in 2022 was $288.
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 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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Marketplace Average Benchmark Premiums, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/marketplace-average-benchmark-premiums/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22%7D
Average Marketplace Premiums by Metal Tier, 2018-2022, KFF, accessed 08/16/2022, https://www.kff.org/health-reform/state-indicator/average-marketplace-premiums-by-metal-tier/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Average%20Lowest-Cost%20Bronze%20Premium__2022%22,%22sort%22:%22desc%22%7D