ACA Marketplace plans in North Dakota

Looking for ACA marketplace health insurance in North Dakota? Here is how this coverage lane works specifically for North Dakota residents, what it costs, and how to get it.

North Dakota residents buy ACA Marketplace plans through HealthCare.gov. These are comprehensive plans that cover the ten essential health benefits, cannot deny you for a pre-existing condition, and are the only plans eligible for income-based premium tax credits.

Because North Dakota runs a federal marketplace, you enroll at HealthCare.gov. Plans and prices are set at the county level across North Dakota's 53 counties, so two neighbors in different counties can see different options.

North Dakota expanded Medicaid, so if your income is low you may qualify for Medicaid instead of a subsidized plan — the Marketplace will tell you when you apply.

North Dakota runs a federal marketplace (HealthCare.gov). Residents should enroll through HealthCare.gov, and plan menus are set at the county level across 53 counties.

Because North Dakota expanded Medicaid, a marketplace application may route lower-income adults to Medicaid instead of a subsidized private plan — that is usually good news for cost.

With an approximate uninsured rate near 7.0% and a population of about 0.8 million, North Dakota shoppers should re-check subsidies each year as income and household size change.

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Frequently asked questions

When is Open Enrollment in North Dakota?
North Dakota follows Marketplace Open Enrollment in late fall for coverage starting January 1. A qualifying life event opens a Special Enrollment Period any time of year.
Are North Dakota Marketplace plans subsidized?
Yes — premium tax credits are available based on your income and household size, and many enrollees pay under $100/month.
Do I use HealthCare.gov or a state site in North Dakota?
North Dakota residents primarily enroll through HealthCare.gov. Start there for plan shopping and subsidy estimates.

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