Your health insurance policy gives you the peace of mind of knowing that you’ll be able to get the healthcare that you need without worrying about finances. But shopping for health insurance can be tricky, especially when you start comparing different types of plans, premiums, and deductibles.
That’s why we’ve highlighted the must-know information that will help you find the best health insurance in North Dakota for your individual needs and your budget.
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The cost of health insurance in North Dakota depends on several variables, including the plan tier that you choose. In North Dakota, you can choose from Bronze, Silver, Gold, and Platinum tiers. Bronze plans have some of the most affordable premiums, but your deductible payments will be higher than with other plans. Gold plans have lower deductibles, but their premiums tend to be more expensive.
Average Premium for Health Insurance in North Dakota | |
Most Affordable Bronze Plan | $288 |
Most Affordable Silver Plan | $478 |
Most Affordable Gold Plan | $448 |
When you shop for health insurance in North Dakota, you may be able to save money if you’re eligible for an employer-sponsored health insurance plan. Employer-sponsored plans in North Dakota cost an average of $1,485 per year.
Since other factors, including your age, location, dependents, and health status, can impact your health insurance rates, getting a personalized quote will give you the most accurate idea of your health insurance costs. You can get a free health insurance quote from ConsumerCoverage today to start shopping for health insurance.
Health insurance costs will also vary depending on the type of plan that you choose. We’ve listed some of the most common types of health insurance in North Dakota that you might find as you shop:
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North Dakota also offers several types of health insurance programs for low-income residents:
North Dakota Medicaid
North Dakota’s Medicaid program helps to cover costs like hospitalization, vision care, and prescription medication. State residents earning up to 138% of the federal poverty level are eligible for the program.
Children’s Health Insurance Program
The Children’s Health Insurance Program offers coverage to children below 18 years of age. The coverage is designed for children whose parents or guardians don’t qualify for Medicaid, but can’t afford to purchase health insurance.
Comprehensive Health Association of North Dakota
The Comprehensive Health Association of North Dakota provides major medical care with deductibles from $500 to $1,000, or Medicare supplemental coverage. This program is for people who can’t find affordable health insurance because of high-risk medical conditions, or who have been denied employer-sponsored insurance.
Indian Health Service
North Dakota’s Indian Health Service offers healthcare to members of federally recognized tribes.
North Dakota Medicare
Individuals age 65 and up, and individuals with certain qualifying disabilities may be eligible for Medicare. Medicare is available in multiple parts, including Medicare Advantage and Original Medicare, and coverage applies to expenses like prescription drugs, hospital stays, and vision care.
Taking the time to shop around and compare health insurance plans can help you to find the best coverage at the best price. Get a free, personalized quote from ConsumerCoverage to explore your options today.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
