Best Cheap Health Insurance in North Dakota

Find the Cheapest Health Insurance Quotes in Your Area

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North Dakotans can find affordable health insurance on the state exchange or through Medicaid, if your income qualifies. We analyzed all health insurance policies available on the state marketplace and found that either the BlueDirect 80 Silver or Sanford TRUE $4,750 was the cheapest Silver plan in every county. Although these are the lowest cost plans in the state, the rates and availability of health plans will change depending on which county you live in. Furthermore, your financial situation and health will play a large part in finding the most cost-effective plan for you.

Cheapest Health Insurance by Metal Tier

We compared health insurance plans in North Dakota to find the cheapest policies available for each tier of coverage. In the table below you can see the most affordable plan in the state for a given metal tier alongside its sample rates and coverage terms.

We recommend using the policy information below to compare the different costs and benefits between each metal tier. The Sanford TRUE $4,750, for instance, is the cheapest Silver plan and comes with a minimum monthly premium of $280 for a 40-year-old. On the other hand, the cheapest Gold plan, Sanford TRUE $1,250, has a higher monthly premium of $382 in exchange for a much lower deductible of $1,250.

Metal TierCheapest PlanDeductibleOut-of-Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicBlueEssential 100$7,350$7,350$195.38
BronzeSanford TRUE $6,000$6,000$7,150$253.61
SilverSanford TRUE $4,750$4,750$7,350$280.35
GoldSanford TRUE $1,250$1,250$4,750$382.08

Metal tier and age are both important factors that affect your monthly health insurance premiums. Higher metal tier policies will have a higher monthly rate, but they also have lower out-of-pocket costs, meaning you'll pay less in the event you need to use your health insurance. Regardless of metal tier, as your age increases, your monthly premium will increase. A 40-year-old, for instance, would pay 53% lower health insurance rates than a 60-year-old in North Dakota, regardless of their plan's metal tier.

Average Monthly Cost of Health Insurance Plans by Metal Tier in North Dakota

Finding the Best Health Insurance Coverage in North Dakota

Typically, higher metal tier policies, such as Gold plans, have costlier monthly premiums, but they also provide lower out-of-pocket expenses, like deductibles, copays and coinsurance. These health plans are best if you think you may become sick or already have high recurring medical costs, like prescriptions. On the other hand, those that are young and healthy or don't expect to have many medical costs may wish to choose a lower metal tier plan to save money.

Gold Plans: Best for High Expected Medical Costs

Gold plans are the highest metal tier available in North Dakota, and you can expect these policies to cover roughly 80% of your health care expenses, while you pay the other 20%. Gold health plans typically cover the greatest share of out-of-pocket costs, which means lower deductibles, copays and coinsurance, contributing to the 20% you would expect to pay.

These benefits come at the expense of a higher monthly premium—the average cost of a Gold plan in North Dakota is 21% greater than the average cost of a Silver health plan. Generally, Gold health insurance policies are the best in terms of cost-effectiveness if you expect to incur high medical expenses, such as from chronic conditions, or have costly prescriptions.

Silver Plans: Best for those with Low Income or Average Medical Costs

For many households, in terms of monthly premiums and out-of-pocket costs, Silver plans fall between Gold and Bronze metal tier plans and serve as a good middle ground option. However, Silver plans stand out for lower-income households, as these policies are eligible for cost-sharing reduction (CSR) subsidies that would further lower your out-of-pocket expenses. Typical Silver plans cover about 70% of your health care costs, while you pay 30%. But under CSR subsidies, you could qualify for a Silver plan that covers up to 94% of your health care costs.

Bronze and Catastrophic Plans: Best for Young, Healthy People

Catastrophic and Bronze health insurance plans offer the cheapest monthly premiums. However, Catastrophic plans are only available to those under 30 or those who qualify for an exemption. Bronze plans are the cheapest plans that are open to everyone but come with reduced coverage meaning larger out-of-pocket costs relative to the higher metal tier plans. So, if you need medical care during the year, you would have to pay more money out of pocket before coverage kicks in.

On average, you can expect a Bronze plan to cover about 60% of your health costs, while you pay for the other 40%. Therefore, we would only recommend these plans if you have the financial means to cover a large portion of your medical emergency.

Short-Term Health Insurance in North Dakota

Short-term health insurance can be purchased in North Dakota. A short-term plan can be a useful investment if you miss the open enrollment period or lose employer-sponsored health insurance. However, in North Dakota, these plans can only provide coverage for up to six months and do not cover the essential health benefits like state marketplace plans. Furthermore, North Dakota only allows short-term health insurance to be renewed up to one time—you can't maintain this coverage for over 12 months.

Find the Cheapest Health Insurance Quotes in Your Area

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Best Cheap Health Insurance Companies in North Dakota

Although there are only two health insurance companies on the North Dakota state exchange: Blue Cross Blue Shield of North Dakota and Sanford Health Plan, in 2019 Medica will rejoin the exchange. Medica previously left the exchange, because the state did not allow the addition of CSR costs to plan premiums, which means the insurer had to bear the CSR costs (required on Silver plans). However, the law has now changed to allow insurers to add the CSR costs to plan premiums again. This means lower premiums for Bronze and Gold policyholders, and despite the higher premiums on Silver plans, they qualify for premium subsidies as well.

Cheapest Health Insurance Plan By County

Finding the best health plan for you can be challenging since the selection of plans and their cost changes depending on the region you're in. For instance, the monthly cost of the BlueDirect 80 Silver plan, the cheapest Silver plan in Grand Forks County, is $134 more expensive than the Sanford TRUE $4,750 in Cass County, for a 40-year-old. To make this process simpler, we compared rates for every Silver policy in North Dakota to find the cheapest health plan in each county, listed below.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40 and Child
AdamsBlueDirect 80 Silver$414$829$1,077
BarnesBlueDirect 80 Silver$414$829$1,077
BensonBlueDirect 80 Silver$414$829$1,077
BillingsBlueDirect 80 Silver$414$829$1,077
BottineauBlueDirect 80 Silver$414$829$1,077
BowmanBlueDirect 80 Silver$414$829$1,077
BurkeBlueDirect 80 Silver$414$829$1,077
BurleighSanford TRUE $4,750$280$561$729
CassSanford TRUE $4,750$280$561$729
CavalierBlueDirect 80 Silver$414$829$1,077
DickeyBlueDirect 80 Silver$414$829$1,077
DivideBlueDirect 80 Silver$414$829$1,077
DunnBlueDirect 80 Silver$414$829$1,077
EddyBlueDirect 80 Silver$414$829$1,077
EmmonsBlueDirect 80 Silver$414$829$1,077
FosterBlueDirect 80 Silver$414$829$1,077
Golden ValleyBlueDirect 80 Silver$414$829$1,077
Grand ForksBlueDirect 80 Silver$414$829$1,077
GrantBlueDirect 80 Silver$414$829$1,077
GriggsBlueDirect 80 Silver$414$829$1,077
HettingerBlueDirect 80 Silver$414$829$1,077
KidderBlueDirect 80 Silver$414$829$1,077
LamoureBlueDirect 80 Silver$414$829$1,077
LoganBlueDirect 80 Silver$414$829$1,077
MchenryBlueDirect 80 Silver$414$829$1,077
McintoshBlueDirect 80 Silver$414$829$1,077
MckenzieBlueDirect 80 Silver$414$829$1,077
McleanBlueDirect 80 Silver$414$829$1,077
MercerBlueDirect 80 Silver$414$829$1,077
MortonSanford TRUE $4,750$280$561$729
MountrailBlueDirect 80 Silver$414$829$1,077
NelsonBlueDirect 80 Silver$414$829$1,077
OliverSanford TRUE $4,750$280$561$729
PembinaBlueDirect 80 Silver$414$829$1,077
PierceBlueDirect 80 Silver$414$829$1,077
RamseyBlueDirect 80 Silver$414$829$1,077
RansomBlueDirect 80 Silver$414$829$1,077
RenvilleBlueDirect 80 Silver$414$829$1,077
RichlandBlueDirect 80 Silver$414$829$1,077
RoletteBlueDirect 80 Silver$414$829$1,077
SargentBlueDirect 80 Silver$414$829$1,077
SheridanBlueDirect 80 Silver$414$829$1,077
SiouxBlueDirect 80 Silver$414$829$1,077
SlopeBlueDirect 80 Silver$414$829$1,077
StarkBlueDirect 80 Silver$414$829$1,077
SteeleBlueDirect 80 Silver$414$829$1,077
StutsmanBlueDirect 80 Silver$414$829$1,077
TownerBlueDirect 80 Silver$414$829$1,077
TraillSanford TRUE $4,750$280$561$729
WalshBlueDirect 80 Silver$414$829$1,077
WardBlueDirect 80 Silver$414$829$1,077
WellsBlueDirect 80 Silver$414$829$1,077
WilliamsBlueDirect 80 Silver$414$829$1,077

Average Cost of Health Insurance by Family Size in North Dakota

In addition to your chosen health plan, the number of people covered and their ages will determine the cost of health insurance for your family in North Dakota. If you add children to your health insurance plan, each child will cost a flat rate for coverage until they are 15 years old. Upon reaching the age of 15, the monthly rate will increase every year as they grow older.

For instance, the average monthly health insurance cost for a family of three, assuming two 40-year-old parents and a child on a Silver plan, is $1,035 in North Dakota. If you were to add another child to the plan, the monthly premium would increase by $239. So for a family of four, the total monthly cost of health coverage would be $1,274.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$398
Adult Couple$797
Family of three (Adult couple and a child)$1,035
Family of four (Adult couple and two children)$1,274
Family of five (Adult couple and three children)$1,512
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in North Dakota.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.