North Dakota ยท ND
Health insurance in North Dakota: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps North Dakota residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in North Dakota, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- HealthCare.gov
- 2027 open enrollment
- See the dates
- Medicaid expansion
- Adopted
- Short-term plans
- Limited
- Insurance department
- North Dakota Insurance Department
Facts checked 2026-09-14.
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
- 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.
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.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- 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
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in North Dakota.
- 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
Is short-term health insurance allowed in North Dakota?
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.
When is open enrollment in North Dakota for 2027 coverage?
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.
Does North Dakota use HealthCare.gov or its own marketplace?
North Dakota uses HealthCare.gov, the federally facilitated Marketplace, for Marketplace plans and premium tax credits.
How do I verify an insurance agent's license in North Dakota?
Look the agent up through the NIPR license lookup, or contact the North Dakota Insurance Department. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your North Dakota options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.