Best 2026 Health Insurance Plans in North Dakota
Compare 59 ACA Marketplace plans from 3 insurers in North Dakota. See premiums by metal tier and estimate your subsidy in under a minute.
In North Dakota, 59 ACA Marketplace health insurance plans from 3 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $332/month, Silver plans at $439/month, Gold plans at $472/month, and Catastrophic plans at $296/month. The lowest-priced plan overall is Sanford Individual TRUE $10,600 from Sanford Health Plan at $296/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.
Lowest-cost plan by tier in North Dakota
Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.
$296/mo
View plan$332/mo
View plan$439/mo
View plan$472/mo
View planBrowse 2026 North Dakota plans by metal tier
Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.
Insurers offering 2026 plans in North Dakota
North Dakota health insurance FAQ
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
Find your best plan in North Dakota
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