Health insurance prices in North Dakota (2026)
59 marketplace plans from 3 insurers across 53 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $332–$613 (typical $434) · Silver $439–$865 (typical $628) · Gold $472–$884 (typical $637) · Catastrophic $296–$417 (typical $374)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 53) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | 53 | 18 | $332 | $406 | $549 | $574 | Sanford Individual TRUE Standardized $7,500 |
| Medica | 48 | 27 | $358 | $461 | $659 | $669 | Essentia Choice Care with Medica Bronze Share |
| Blue Cross Blue Shield of North DakotaIndependent Blue Cross Blue Shield company | 53 | 14 | $434 | $450 | $699 | $637 | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $332 | $434 | $613 | 18 | $7,500 | $10,000 | $15,286 |
| Silver | $439 | $628 | $865 | 20 | $3,525 | $8,900 | $16,746 |
| Gold | $472 | $637 | $884 | 18 | $2,000 | $8,200 | $15,702 |
| CatastrophicUnder 30 or hardship exemption only | $296 | $374 | $417 | 3 | $10,600 | $10,600 | $15,086 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in North Dakota
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Adams County | 3 | 28 | $434 | $474 | $710 |
| Barnes County | 3 | 28 | $434 | $474 | $710 |
| Benson County | 3 | 31 | $434 | $470 | $671 |
| Billings County | 3 | 28 | $434 | $474 | $710 |
| Bottineau County | 3 | 28 | $434 | $474 | $688 |
| Bowman County | 3 | 28 | $434 | $474 | $710 |
| Burke County | 2 | 19 | $434 | $464 | $650 |
| Burleigh County | 3 | 37 | $332 | $398 | $553 |
| Cass County | 3 | 40 | $338 | $407 | $558 |
| Cavalier County | 3 | 28 | $434 | $474 | $688 |
| Dickey County | 3 | 28 | $434 | $474 | $710 |
| Divide County | 2 | 19 | $434 | $464 | $650 |
| Dunn County | 3 | 28 | $434 | $474 | $710 |
| Eddy County | 3 | 31 | $434 | $470 | $671 |
| Emmons County | 3 | 37 | $387 | $464 | $674 |
| Foster County | 3 | 28 | $434 | $474 | $710 |
| Golden Valley County | 3 | 28 | $434 | $474 | $710 |
| Grand Forks County | 3 | 31 | $419 | $453 | $644 |
| Grant County | 3 | 28 | $434 | $474 | $710 |
| Griggs County | 3 | 31 | $434 | $470 | $671 |
| Hettinger County | 3 | 28 | $434 | $474 | $710 |
| Kidder County | 3 | 28 | $434 | $474 | $710 |
| LaMoure County | 3 | 28 | $434 | $474 | $710 |
| Logan County | 3 | 28 | $434 | $474 | $710 |
| McHenry County | 3 | 28 | $434 | $474 | $688 |
| McIntosh County | 3 | 37 | $387 | $464 | $674 |
| McKenzie County | 2 | 19 | $434 | $464 | $650 |
| McLean County | 3 | 37 | $387 | $464 | $650 |
| Mercer County | 3 | 37 | $387 | $464 | $674 |
| Morton County | 2 | 28 | $332 | $406 | $548 |
| Mountrail County | 2 | 19 | $434 | $464 | $650 |
| Nelson County | 3 | 31 | $434 | $470 | $671 |
| Oliver County | 3 | 37 | $387 | $464 | $674 |
| Pembina County | 3 | 28 | $434 | $474 | $688 |
| Pierce County | 3 | 28 | $434 | $474 | $688 |
| Ramsey County | 3 | 31 | $434 | $470 | $671 |
| Ransom County | 3 | 31 | $428 | $467 | $669 |
| Renville County | 3 | 28 | $434 | $474 | $688 |
| Richland County | 3 | 31 | $428 | $467 | $669 |
| Rolette County | 3 | 28 | $434 | $474 | $688 |
| Sargent County | 3 | 31 | $428 | $467 | $669 |
| Sheridan County | 3 | 28 | $434 | $474 | $710 |
| Sioux County | 3 | 28 | $434 | $474 | $710 |
| Slope County | 3 | 28 | $434 | $474 | $710 |
| Stark County | 3 | 28 | $434 | $474 | $710 |
| Steele County | 3 | 31 | $434 | $470 | $671 |
| Stutsman County | 3 | 28 | $434 | $474 | $710 |
| Towner County | 3 | 28 | $434 | $474 | $688 |
| Traill County | 3 | 37 | $387 | $464 | $674 |
| Walsh County | 3 | 31 | $434 | $470 | $671 |
| Ward County | 3 | 28 | $434 | $474 | $688 |
| Wells County | 3 | 28 | $434 | $474 | $710 |
| Williams County | 3 | 28 | $434 | $474 | $710 |
To compare insurance plans side by side (or with health sharing), open your county.