The North Dakota health insurance landscape includes many avenues through which individuals and families may buy health care insurance plans. Residents without access to employer-sponsored coverage can shop for health care plans in the private marketplace and through the federal marketplace exchange. Those who are eligible may apply for public health plans such as Medicaid and CHIP.
HealthCare.org offers free health insurance quotes for Obamacare individual insurance plans, and also provides access to short term health insurance, small employer health plans and Medicaid information.
North Dakota and the Affordable Care Act
When the Affordable Care Act took effect and required most Americans to buy health insurance coverage, North Dakota elected to partner with the federal marketplace, also known as the federal exchange. When residents enroll in ACA-compliant health plans sold through the health insurance exchange, they can apply for income-based financial assistance that helps lower their monthly health insurance premiums and out-of-pocket expenses for healthcare.
Only marketplace plans are eligible for income-based premium tax credits and cost-sharing subsidies. Individuals and families can find both marketplace, on-exchange plans and private, off-exchange plans at HealthCare.org. For those who qualify for financial assistance, HealthCare.org will connect them to the right exchange to complete their enrollment.
The Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits that meet federal health insurance standards.
Medicaid expansion in North Dakota
North Dakota is one of many states to have expanded Medicaid to single, low-income adults since Obamacare took effect. Residents that want to apply for Medicaid must meet certain eligibility criteria set by the state.
North Dakota CHIP
North Dakota Children’s Health Insurance Program (CHIP) provides low-cost health insurance for eligible children.
Get free quotes on North Dakota health insurance plans from leading companies, and apply for health care coverage directly online.
North Dakota has regained its top ten status in the country when it comes to health, ranking as the 9th healthiest state in America in 2014. The ranking, made by the United Health Foundation, measures many health indicators across the state and compares them with the rest of the country. Residents of North Dakota have overall great health and good health practices, both active and preventive.
One of the key issues that can help the state regain some of healthiness is an increase in Public Health funding. Public Health funding has decreased within the past year, and this could potentially mean that availability of some of the health features in the state might be jeopardized if this continues.
If you are a resident of North Dakota, take advantage of the healthiness of your state. North Dakota is a very good place to live, when it comes to health.
North Dakota Insurance Department
State Capitol, Fifth Floor
600 East Boulevard Avenue
Bismarck, ND 58505-0320
Phone: (701) 328-2440
North Dakota Department of Health
600 East Boulevard Avenue
Bismarck, ND 58505-0200
Phone: (701) 328-2372