Health insurance prices in Ramsey County, ND (2026)
31 marketplace plans from 3 insurers. Cheapest plan $434/mo; typical Silver $671/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
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). Rating Area 4.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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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 $434–$613 (typical $470) · Silver $604–$865 (typical $671) · Gold $548–$884 (typical $668) · Catastrophic $374–$417 (typical $395)
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.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Sanford Health Plan | 9 | $466 | $474 | $639 | $676 | Sanford Individual Simplicity Standardized $7,500 | |
| Medica | 12 | $436 | $480 | $682 | $691 | Altru Prime by Medica Bronze Share | |
| Blue Cross Blue Shield of North DakotaIndependent Blue Cross Blue Shield company | 10 | $434 | $450 | $688 | $632 | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) |
All 31 plans in Ramsey County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of North Dakota | BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible | Catastrophic | PPO | $374 | $10,600 | $10,600 | $15,086 | |
| Sanford Health Plan | Sanford Individual Simplicity $10,600 | Catastrophic | PPO | $417 | $10,600 | $10,600 | $15,602 | |
| Blue Cross Blue Shield of North Dakota | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) | Expanded Bronze | PPO | $434 | $6,000 | $10,150 | $15,358 | |
| Medica | Altru Prime by Medica Bronze Share | Expanded Bronze | HMO | $436 | $8,000 | $10,600 | $15,833 | |
| Blue Cross Blue Shield of North Dakota | BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) | Expanded Bronze | PPO | $450 | $7,500 | $10,000 | $15,397 | |
| Blue Cross Blue Shield of North Dakota | BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) | Expanded Bronze | PPO | $461 | $8,000 | $8,000 | $13,528 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $7,500 | Expanded Bronze | PPO | $466 | $7,500 | $10,000 | $15,596 | |
| Sanford Health Plan | Sanford Individual Simplicity $6,500 | Expanded Bronze | PPO | $474 | $6,500 | $9,750 | $15,439 | |
| Medica | Altru Prime by Medica Bronze $0 Copay PCP Visits | Expanded Bronze | HMO | $476 | $7,500 | $10,600 | $16,311 | |
| Medica | Altru Prime by Medica Expanded Bronze Standard | Expanded Bronze | HMO | $484 | $7,500 | $10,000 | $15,812 | |
| Sanford Health Plan | Sanford Individual Simplicity $7,200 HSA Qualified | Expanded Bronze | PPO | $488 | $7,200 | $7,200 | $13,060 | |
| Blue Cross Blue Shield of North Dakota | DakotaBlue Altru Gold ($5 Value Based Drug List) | Gold | PPO | $548 | $2,000 | $8,000 | $14,576 | |
| Blue Cross Blue Shield of North Dakota | DakotaBlue Altru Silver ($5 Value Based Drug List) | Silver | PPO | $604 | $3,500 | $9,500 | $16,746 | |
| Medica | Medica Individual Choice Expanded Bronze Standard | Expanded Bronze | HMO | $613 | $7,500 | $10,000 | $17,352 | |
| Sanford Health Plan | Sanford Individual Simplicity $3,500 | Silver | PPO | $628 | $3,500 | $9,750 | $17,289 | |
| Blue Cross Blue Shield of North Dakota | BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) | Gold | PPO | $632 | $2,600 | $4,300 | $11,885 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $6,000 | Silver | PPO | $639 | $6,000 | $8,900 | $16,571 | |
| Blue Cross Blue Shield of North Dakota | BlueValue Gold $30 PCP Copay (Standardized plan) | Gold | PPO | $659 | $2,000 | $8,200 | $16,111 | |
| Sanford Health Plan | Sanford Individual Simplicity $4,750 | Silver | PPO | $661 | $4,750 | $9,750 | $17,683 | |
| Medica | Altru Prime by Medica Silver $0 Copay PCP Visits | Silver | HMO | $662 | $3,500 | $10,450 | $18,394 | |
| Sanford Health Plan | Sanford Individual Simplicity Standardized $2,000 | Gold | PPO | $663 | $2,000 | $8,200 | $16,161 | |
| Medica | Altru Prime by Medica Gold $0 Copay PCP Visits | Gold | HMO | $668 | $1,500 | $8,800 | $16,816 | |
| Medica | Altru Prime by Medica Silver Share | Silver | HMO | $680 | $3,525 | $8,850 | $17,013 | |
| Medica | Altru Prime by Medica Gold Share | Gold | HMO | $682 | $2,500 | $5,900 | $14,090 | |
| Medica | Altru Prime by Medica Silver Standard | Silver | HMO | $684 | $6,000 | $8,900 | $17,106 | |
| Blue Cross Blue Shield of North Dakota | BlueValue Silver $40 PCP Copay (Standardized plan) | Silver | PPO | $688 | $6,000 | $8,900 | $17,153 | |
| Sanford Health Plan | Sanford Individual Simplicity $1,750 | Gold | PPO | $688 | $1,750 | $9,000 | $17,253 | |
| Medica | Altru Prime by Medica Gold Standard | Gold | HMO | $699 | $2,000 | $8,200 | $16,586 | |
| Blue Cross Blue Shield of North Dakota | BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) | Silver | PPO | $731 | $3,500 | $7,500 | $16,272 | |
| Medica | Medica Individual Choice Silver Standard | Silver | HMO | $865 | $6,000 | $8,900 | $19,280 | |
| Medica | Medica Individual Choice Gold Standard | Gold | HMO | $884 | $2,000 | $8,200 | $18,807 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $434 | $470 | $613 | 10 | $7,500 | $10,000 | $15,518 |
| Silver | $604 | $671 | $865 | 10 | $4,138 | $8,900 | $17,130 |
| Gold | $548 | $668 | $884 | 9 | $2,000 | $8,200 | $16,161 |
| CatastrophicUnder 30 or hardship exemption only | $374 | $395 | $417 | 2 | $10,600 | $10,600 | $15,344 |
* 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.