Health Insurance Plans in Central North Dakota (McLean & Mercer Counties), North Dakota (2026)

Which counties does this North Dakota health insurance page cover?

What is the health insurance marketplace in North Dakota?

The North Dakota (ND) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 34 North Dakota plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.

How do I compare health insurance plans in North Dakota?

Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 4 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in North Dakota start from $343.77/month before subsidies.

Which Medicaid plan is best in North Dakota?

There is no single "best" Medicaid plan in North Dakota. Medicaid is administered through MCOs such as Blue Cross Blue Shield of North Dakota, Sanford Health Plan, Medica. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$22,025/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.

Is short-term health insurance available in North Dakota?

Short-term health insurance is sold outside the ACA Marketplace in North Dakota by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (November 1 to January 15). See policymage.com/faq for more on short-term vs ACA plans.

How much is health insurance in ND?

Health insurance in ND starts as low as $343.77/month for a 30-year-old on a Bronze plan before subsidies. Most North Dakota residents who qualify for APTC pay significantly less, some as low as $0/month for a Bronze plan.

What is the cheapest health insurance option in ND for 2027?

The cheapest ACA option in ND for 2027 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan. Both carry the lowest monthly premium in exchange for a higher deductible. Compare exact North Dakota plans and prices at policymage.com/get-quotes.

How do I get health insurance in North Dakota?

To get health insurance in North Dakota, enroll in an ACA Marketplace plan through HealthCare.gov during Open Enrollment, which runs November 1 through January 15. Plans start at $343.77/month before subsidies. You need your ZIP code, household size, and estimated annual income to apply. Outside Open Enrollment you need a Qualifying Life Event (job loss, marriage, birth, or a move) to enrol through a Special Enrollment Period.

What is the best health insurance in North Dakota?

There is no single best health insurance plan in North Dakota; total annual cost depends on your doctors, prescriptions, and how much care you use. Policymage does not recommend plans. It lets you compare 34 North Dakota plans on premium, deductible, network, and quality rating. Total annual cost is the premium × 12 plus your expected deductible and copays. Cost-Sharing Reductions lower deductibles and copays for incomes between 100% and 250% FPL, and apply only to Silver plans.

How much is health insurance in North Dakota per month?

Health insurance in North Dakota starts at $343.77 per month for a Bronze plan for a 30-year-old, before subsidies. Most residents who qualify for APTC tax credits pay considerably less, and some pay $0/month for a Bronze plan. Your exact monthly cost depends on age, county, household size, and tobacco use.

How do I get free health insurance in North Dakota?

Free or near-free coverage in North Dakota comes from two routes. Medicaid covers adults earning up to 138% of the Federal Poverty Level (roughly $22,025/year for an individual), and you can apply year-round. Above that, APTC subsidies bring many Bronze Marketplace plans to $0/month for North Dakota residents on lower incomes.

When does Open Enrollment end in North Dakota for ACA plans?

Open Enrollment for North Dakota residents runs from November 1 through January 15. North Dakota uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.

How much does health insurance cost in North Dakota?

Health insurance in North Dakota starts as low as $343.77/month for a 30-year-old on a Bronze plan before subsidies. With APTC tax credits, many North Dakota residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.

Does North Dakota use HealthCare.gov or its own state exchange?

North Dakota uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for North Dakota residents.

Has North Dakota expanded Medicaid under the ACA?

Yes. North Dakota has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $22,025/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window; you can apply year-round.

What are the income limits for ACA subsidies in North Dakota?

Premium tax credits cover household income from 100% to 400% of the Federal Poverty Level: about $15,960 to $63,840 a year for an individual, or $33,000 to $132,000 for a family of 4. Below 138% FPL most adults qualify for Medicaid instead. Above 400% FPL there is no credit in 2027: the enhanced rules that removed that limit expired after 2025. Use the HealthCare.gov subsidy calculator for your exact estimate.

What are the metal tiers in North Dakota (Bronze, Silver, Gold, Platinum)?

North Dakota ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.

Are HSA-eligible plans available in North Dakota?

Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in North Dakota through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,700 (individual) or $3,400 (family), and you can contribute up to $4,400 (individual) or $8,750 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.

Do North Dakota ACA plans cover dental and vision?

North Dakota ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits, but adult dental and vision are not federally required. Most North Dakota plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.

What is a Qualifying Life Event for Special Enrollment in North Dakota?

Outside Open Enrollment, North Dakota residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.

How do I find in-network doctors and hospitals in North Dakota?

Each North Dakota ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). Out-of-network costs can exceed the premium difference between plans.