Health Insurance Plans in North Dakota
Browse ACA Marketplace plans available to North Dakota residents on the federal exchange. 34 plans available for 2026. Starting from $295/month.
Lowest Monthly Premium
$295/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$350/mo
12 plans available
Avg Silver (Benchmark)
$504/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Bismarck, ND
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$350/mo avg
from $295 – $409
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$504/mo avg
from $389 – $649
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$509/mo avg
from $419 – $585
Lowest-Premium Plans Available
Sample plans near Bismarck — enter your ZIP for exact results
Sanford Individual TRUE Standardized $7,500
Sanford Health Plan
$295/mo
Ded: $7,500
Sanford Individual TRUE $6,500
Sanford Health Plan
$299/mo
Ded: $6,500
Sanford Individual TRUE $7,200 HSA Qualified
Sanford Health Plan
$303/mo
Ded: $7,200
Essentia Choice Care with Medica Bronze Share
Medica
$318/mo
Ded: $8,000
Essentia Choice Care with Medica Bronze $0 Copay PCP Visits
Medica
$347/mo
Ded: $7,500
Essentia Choice Care with Medica Expanded Bronze Standard
Medica
$353/mo
Ded: $7,500
Sanford Individual Simplicity Standardized $7,500
Sanford Health Plan
$355/mo
Ded: $7,500
Sanford Individual Simplicity $6,500
Sanford Health Plan
$361/mo
Ded: $6,500
Sanford Individual Simplicity $7,200 HSA Qualified
Sanford Health Plan
$372/mo
Ded: $7,200
BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List)
Blue Cross Blue Shield of North Dakota
$385/mo
Ded: $6,000
Prices shown are for a 30-year-old near Bismarck without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in North Dakota?
Approximately 34 ACA Marketplace plans are available in North Dakota for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in North Dakota?
For a 30-year-old without subsidies, the cheapest plan near Bismarck starts at about $295/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does North Dakota use HealthCare.gov?
Yes — North Dakota is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in North Dakota averages $504/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in North Dakota
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More North Dakota guides
Best plans in North Dakota Cheapest plans in North Dakota HSA-eligible plans in North Dakota