At AHiX, we’re here to help you find the best North Dakota health insurance plans at affordable rates. Explore individual and family coverage options to fit your needs and budget. Enter your zipcode today!
The options and pricing for North Dakota health insurance are influenced by state laws and regulations set by the Department of Insurance. These rules directly impact the flexibility and availability of health coverage plans in the state. Before selecting a policy, it’s important to understand the health coverage requirements and the various options available in North Dakota.
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Choosing the best health insurance in North Dakota starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a North Dakota health plan that matches your typical healthcare usage.
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Some North Dakota health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
North Dakota individual health insurance provides coverage for yourself or your family, offering flexibility through platforms like the AHiX Marketplace or HealthCare.gov. Residents can choose from ACA-compliant plans, employer-sponsored insurance, or programs like Medicare and Medicaid. Under the Medicaid Expansion, individuals under 65 with incomes up to 138% of the federal poverty level may qualify for affordable coverage.
For ACA qualified plans, individuals can expect these average costs of premiums in North Dakota (Age 40, Zip code 58102):
Single adult
Married Couple
These plans include essential benefits like preventive care, hospital visits, and prescriptions. Explore private health insurance options or compare plans on the North Dakota health exchange to find the right fit for your needs and budget.
North Dakota family health insurance is designed for families with at least one spouse and dependent children, ensuring access to reliable and affordable healthcare. You can purchase qualified health insurance plans through the AHiX Marketplace, which provides a range of options to meet your family’s needs. Employer-sponsored health plans are another option, offering comprehensive benefits. However, Medicare, intended for seniors aged 65 and older, is not a suitable option for families.
If your family’s income is less than 138% of the federal poverty level you may qualify for Medicaid, which offers affordable health coverage with essential benefits like preventive care, hospital visits, and prescriptions.
Here are the average costs of qualified premiums for North Dakota families (Age 40) with children under 26 years old:
A married couple with one child
A married couple with two children
A married couple with three children
Short-term health insurance in North Dakota offers a convenient solution for individuals experiencing temporary gaps in coverage. These plans are ideal for those between jobs, waiting for employer-sponsored insurance to begin, or in other transitional periods. While most short-term plans are capped at four months under federal rules, North Dakota follows its own guidelines, providing residents with more flexible options. Platforms like AHiX make it easy to compare and enroll in temporary health insurance plans from trusted providers. With affordable premiums and essential benefits, short-term medical coverage in North Dakota ensures you stay protected during life’s transitions.
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
When enrolling in a health insurance plan in North Dakota, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Consider the following statistics about healthcare coverage in North Dakota.
Total North Dakota Population
Uninsured North Dakota Residents
North Dakota HMO Enrollment
Annual Employee Premium in North Dakota
Hospital Costs in North Dakota before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansIn North Dakota, residents can choose from several types of health insurance plans:
At AHiX, we provide access to all these options, ensuring you find the right coverage.
Finding North Dakota Health insurance is simple with AHiX. Get expert help choosing individual, family, or temporary coverage. Fill out the form, and we’ll guide you to the right plan!
