Health insurance in North Dakota: private plans, the Marketplace, and how AFHC helps

North Dakota health insurance facts

Marketplace

North Dakota uses HealthCare.gov, the federally facilitated Marketplace.Source

2027 open enrollment

November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source All states' 2027 dates.

Medicaid expansion

North Dakota adopted Medicaid expansion (implemented January 1, 2014).Source

Short-term plans

Short-term plans are sold in North Dakota. They do not have to cover pre-existing conditions or the ACA essential health benefits. Federal rules on how long they can last changed in 2024, and federal enforcement of those limits was paused in August 2025, so state rules govern in practice. Check the North Dakota Insurance Department before you buy.Source

State insurance department

North Dakota Insurance Department. File complaints and check agent licenses here.Source

Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.

What Marketplace coverage costs in North Dakota

For 2026, 41,014 North Dakota residents picked a Marketplace plan during Open Enrollment, and 78.5% of them received an advance premium tax credit. The average premium was $591 a month per person before the credit and $229 after it, counting everyone who picked a plan. 14.9% paid $10 a month or less after the credit.Source

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $570 a month for a 40-year-old in North Dakota in 2026, before any credit.Source 3 insurers offered individual-market plans through HealthCare.gov in North Dakota for 2026.Source

For 2027, insurers across the country proposed a median increase of 15%.Source Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients paid, by state and kind of plan, is in health insurance cost by state.

Free, impartial help in North Dakota

If you have Medicare or will soon: North Dakota’s State Health Insurance Assistance Program (SHIP) is State Health Insurance Counseling Program (SHIC), 1-888-575-6611.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in North Dakota

Most North Dakota households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail. New to private coverage? Start with private health insurance in the USA.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• Families who want catastrophic-first coverage

We work with families across North Dakota, including Fargo, Bismarck, Grand Forks and Minot, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.

How the free review works for North Dakota residents

1. Book online at the free healthcare review page or call (888) 728-7640. What an advisor does and how advisors are paid is on talk to a licensed advisor near you.
2. One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in North Dakota.
3. You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.

On our homepage map, North Dakota is one of the states marked active now.

North Dakota health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.