Health Insurance in North Dakota

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in North Dakota. 

Quick Facts about Health Insurance in North Dakota

• North Dakota uses the federal Marketplace as its ACA exchange, and uses government funded health insurance. 
• Open Enrollment for On-Exchange plans will be from November 1, 2024 – January 15, 2025. 
• Off-Exchange plans can be purchased at any time. 
• Apollo Insurance Group can help broker plans from 6 different carriers. 

How Health Insurance in North Dakota Works

Affordable Care Act (ACA) / Obamacare health insurance in North Dakota is a federal/state partnership. The state of North Dakota oversees and regulates the plans sold to its residents, but plans are purchased on healthcare.gov. On-exchange plans are eligible for subsidies and cannot deny coverage due to preexisting conditions. 

Off-Exchange plans include any plans that are not sold in the ACA marketplace. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to these reasons, they tend to have lower premiums than Obamacare plans. With some exceptions, they can be purchased at any time of the year. 

When to Sign Up for North Dakota Health Insurance

Timing to sign up for health insurance in North Dakota depends on the type of insurance that a person is signing up for. If they are signing up for an ACA plan, then they have to sign up during the Open Enrollment period. Open Enrollment is the time of the year that people can freely change their health insurance plans without any qualifiers. For 2024, OE will run from November 1, 2024 – January 15, 2025. 

Outside of Open Enrollment, a person cannot change their ACA insurance plan without a Qualifying Life Event. Qualifying Life Events are a set of life changing circumstances that are considered drastic enough to allow a change in insurance. Click here for a full list of qualifying life events. 

Off-Exchange plans can be purchased at any time. There are, of course, some exceptions. However, more Off-Exchange plans have year-round enrollment. 

How to Sign Up for Health Insurance in North Dakota

To start enrolling in a health insurance plan for North Dakota, simply fill out our quote form. We will help you start the process and find the right plan for you. 

We have extensive experience helping North Dakota residents find health insurance, so call us today!

North Dakota Health Insurance – Find a Plan That’s Right For You

North Dakota’s Unique Health Insurance Landscape

In North Dakota, health insurance is provided by a mix of private insurers and public programs. The state has its own health insurance marketplace, called ND HealthLink, which is run by the federal government. However, there are only a handful of insurers participating in the marketplace, which means that residents have limited choices when it comes to selecting a plan.

Private Health Insurance in North Dakota

Most people in North Dakota get their health insurance from a private insurer. If you have a private health insurance plan, you will likely have to pay a monthly premium, as well as copayments or coinsurance for doctor’s visits and other medical services. You may also be responsible for meeting your deductible before your insurance company starts to pay for covered services.

There are several different types of private health insurance plans available in North Dakota, including Preferred Provider Organizations (PPOs), Health Maintenance Organizations (HMOs), and High-Deductible Health Plans (HDHPs). PPOs offer the most flexibility when it comes to choosing a provider, while HMOs typically require that you see doctors and other health care providers within their network. HDHPs typically have lower premiums than other types of plans but require you to pay more out-of-pocket expenses before your coverage kicks in.

Public Health Insurance Programs in North Dakota

In addition to private health insurance plans, there are also several public health insurance programs available in North Dakota. These programs include Medicaid, Medicare, and CHIP (the Children’s Health Insurance Program). Medicaid provides free or low-cost health coverage to low-income adults, children, pregnant women, and people with disabilities. Medicare is a federal program that provides health coverage to seniors aged 65 and older. CHIP provides free or low-cost health coverage to children up to age 19 who do not qualify for Medicaid but whose family income is too high to qualify for subsidies through the ND HealthLink marketplace.

If you’re shopping for health insurance in North Dakota, you’ll have a mix of private and public options to choose from. Private plans are offered by a variety of insurers, while the state’s public options include Medicaid, Medicare, and CHIP. No matter what type of plan you choose, make sure it meets your needs and budget so that you can get the care you need at a price you can afford.