Before subsidies, the average benchmark silver plan for a 40-year-old in North Dakota costs $610 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists health insurance agency offices across North Dakota by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in North Dakota
People in North Dakota buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. North Dakota Medicaid covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in North Dakota come from 3 insurers: Blue Cross Blue Shield of North Dakota, Medica and Sanford Health Plan. Not every insurer sells in every county. Short-term health plans are sold with state limits on how long they can last (up to 12 months initially). They are not ACA-compliant coverage.
Agent licensing in North Dakota
- The North Dakota Insurance & Securities Department licenses insurance producers and regulates insurance companies in the state. Consumers can file a complaint with the department about an insurance company or agent. Source
- North Dakota uses the NAIC State Based Systems lookup for producer license details. The Insurance Department points to it for checking a license's status and expiration. Source
- North Dakota issues health coverage authority to producers under the accident and health or sickness major line. An agent needs that line to sell health insurance in the state. Source
Free enrollment help in North Dakota
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple North Dakota carriers in one call.
Call 866-645-8540Agencies & offices by city in North Dakota
- Bismarck
- Devils Lake
- Dickinson
- Fargo
- Grand Forks
- Jamestown
- Mandan
- Minot
- Minot AFB
- Valley City
- Wahpeton
- Watford City
- West Fargo
- Williston