ACA Health Insurance > Break Down > Health Insurance in North Dakota
Health Insurance North Dakota | Your Friendly Guide to Affordable Coverage
From Fargo to Bismarck—We’ve Got North Dakota Covered.
Hey there, North Dakota neighbor! Looking for health insurance in North Dakota? Whether it’s your first time enrolling or you’re just shopping for a better deal, this guide is here to help. No guesswork. No fine print. Just honest, straightforward help.
Why Should You Buy Health Insurance in North Dakota?
Health insurance protects your body and your bank account. It gives you access to preventive care, covers emergency costs, and provides peace of mind for the unknown.
Why it matters in North Dakota:
About 8% of residents under 65 are uninsured.
Rural areas face longer wait times and fewer providers—making regular care more important.
ACA-compliant plans include screenings, checkups, and vaccines at no extra cost.
Even if you feel healthy today, coverage keeps you protected when life throws you a curveball.
Types of Health Insurance Available in North Dakota
Marketplace Plans (ACA via HealthCare.gov)
North Dakota uses the federal HealthCare.gov platform, where residents can shop for ACA-compliant plans and apply for subsidies based on income.
Short-Term Insurance
Short-term health plans are available and offer temporary, limited coverage. They can fill gaps but don’t meet ACA standards for benefits or protections.
Medicare
Available for North Dakotans age 65+ or those with certain disabilities, Medicare covers hospital care, outpatient services, and prescriptions—with optional add-ons.
Medicaid (North Dakota Medicaid)
North Dakota Medicaid covers low-income adults, children, pregnant individuals, and people with disabilities. Eligibility is based on income and household size.
Private Insurance
You can also buy plans directly from private insurers or through an employer. We help you explore all the options to find the best fit.
Compare plans based on price and benefits with us.
Is Health Insurance Required in North Dakota?
There’s no state or federal law requiring North Dakota residents to have health insurance—but going without coverage can be risky.
Without a plan, you could face massive out-of-pocket bills for something as simple as a broken bone or ER visit. Plus, you’ll miss out on preventive care that helps avoid bigger issues down the road.
Getting coverage is smart. Staying uncovered? That’s a gamble.
How Much Does Health Insurance Cost in North Dakota?
Your cost depends on things like your age, income, family size, and zip code. Many North Dakotans qualify for premium tax credits that lower monthly payments through HealthCare.gov.
Some residents pay $0/month after subsidies. Others secure solid plans for under $75/month—sometimes even less for younger adults or low-income families.
Medicare pricing depends on the plan you choose—whether it’s Original Medicare or an Advantage or supplemental plan.
💡 Consider adding a calculator to help estimate monthly premium and savings potential.
How to Pick the Right Health Plan for You
Ask yourself:
Do I need regular prescriptions or doctor visits?
Am I managing any long-term health conditions?
Do I want to stay with a specific provider?
What can I afford monthly and yearly?
Whether you want a low premium or more coverage with fewer surprises, we’ll help guide you to a plan that matches your needs.
Our Health Insurance Services in North Dakota
Navigating health insurance doesn’t have to feel like wrangling a snowstorm. Our local agents make things clear, simple, and personal.
Who We Help
We assist:
Self-employed farmers, ranchers, and contractors
Seniors transitioning to Medicare
Families with multiple coverage needs
Individuals between jobs
Anyone feeling overwhelmed by insurance options
What We Offer
We help with:
HealthCare.gov enrollment
Private plan comparisons
Medicare and Medicaid guidance
Dual-eligible and special needs plans
Dental, vision, and Rx savings tools
And yes—we offer bilingual support in Spanish.
How to Get Started
Compare plans.
Talk to a local agent (optional).
Enroll online or by phone.
You’re officially covered.
Most Affordable Health Insurance in North Dakota
These ACA-compliant carriers offer some of the most affordable options in the state:
Sanford Health Plan – Popular in the Dakotas for its local network and competitive pricing.
Blue Cross Blue Shield of North Dakota – Offers solid plans statewide with good customer service.
Medica – Known for flexible plan structures and preventive care benefits.
We’ll help you compare coverage and costs to find what fits best.
Top 3 Most Uninsured Cities in North Dakota
Though North Dakota has strong rural healthcare support, some areas still struggle with coverage:
Minot, ND – Job transitions and limited local carriers impact enrollment.
Williston, ND – High cost of living from the oil boom leaves many uninsured.
Devils Lake, ND – Rural access issues and plan confusion result in lapses in coverage.
Wherever you live, we’re here to help you get covered—quickly and affordably.
Final Tip from Your Friendly Guide
Health insurance in North Dakota isn’t just a checkbox—it’s your safety net, your peace of mind, and your key to affordable care.
Whether you’re just browsing or ready to enroll, our team is here to walk you through the process. Let’s get you covered.
Just a heads-up! We looked at our own data to figure out the average health insurance prices as of January 2025. These numbers are just meant to give you an idea—your actual quote might be different depending on your personal situation.
Also, our lawyers want us to remind you: this info is general and doesn’t change what’s actually written in your real insurance policy, which can be different depending on where you live. It’s always a good idea to chat with your own trusted advisor if you have specific questions.
This post is just here to help you get helpful info and tips—not to replace real advice. Plus, if we mention anything from other people or companies, just know that’s their opinion, not ours. And remember, not all plans or discounts are available everywhere!