Health Insurance in Grand Forks Area — Eastern North Dakota, ND — 2026 Plans & Premiums
31 ACA marketplace plans are available in Grand Forks Area — Eastern North Dakota, ND, from 3 insurers. The cheapest plan starts at $331.99/month before subsidies.
Insurers price these 11 counties identically, so plan availability and premiums below apply to all of them:
- Benson County
- Eddy County
- Grand Forks County
- Griggs County
- Nelson County
- Ramsey County
- Ransom County
- Richland County
- Sargent County
- Steele County
- Walsh County
31
Plans Available
$331.99
Cheapest Plan/mo
3
Insurers
HealthCare.gov
Exchange
Insurers Serving Grand Forks Area — Eastern North Dakota
Plans Available in Grand Forks Area — Eastern North Dakota
Sorted by monthly premium · 30-year-old · Before subsidies
BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible
Blue Cross Blue Shield of North Dakota
$331.99/mo
Ded: $10,600
Sanford Individual Simplicity $10,600
Sanford Health Plan
$370.23/mo
Ded: $10,600
BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List)
Blue Cross Blue Shield of North Dakota
$385.45/mo
Ded: $6,000
Altru Prime by Medica Bronze Share
Medica
$387.31/mo
Ded: $8,000
BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan)
Blue Cross Blue Shield of North Dakota
$399.43/mo
Ded: $7,500
BlueDirect Bronze 100 HSA Eligible $8000 Deductible ($5 Preventive Drug List)
Blue Cross Blue Shield of North Dakota
$409.12/mo
Ded: $8,000
Sanford Individual Simplicity Standardized $7,500
Sanford Health Plan
$414.17/mo
Ded: $7,500
Sanford Individual Simplicity $6,500
Sanford Health Plan
$421.07/mo
Ded: $6,500
Average Premiums in Grand Forks Area — Eastern North Dakota
Avg Bronze Plan
$425/mo
10 plans
Avg Silver (Subsidy Benchmark)
$608/mo
Eligible for CSR cost reductions
Nearby Counties in North Dakota
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Compare plansFrequently asked questions about ACA insurance in North Dakota
Which counties does this North Dakota health insurance page cover?
This page covers 11 North Dakota counties: Benson County, Eddy County, Grand Forks County, Griggs County, Nelson County, Ramsey County, Ransom County, Richland County, Sargent County, Steele County, Walsh County. Insurers offer the same plans at the same premiums across all of them, so the 31 plans and $331.99/month starting price shown here apply to every one.
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 31 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 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in North Dakota start from $331.99/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, ~$21,597/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 (Nov 1–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 $331.99/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 Silver plan.
What is the cheapest health insurance option in ND for 2026?
The cheapest ACA option in ND for 2026 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.
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 ACA health insurance cost in North Dakota?
Bronze-tier plans in North Dakota start as low as $331.99/month for a 30-year-old 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 $21,597/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 Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. North Dakota residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. 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 $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (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). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Grand Forks Area — Eastern North Dakota
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Grand Forks Area — Eastern North Dakota compares to the North Dakota state average.
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