What does coverage cost in Fargo? A 40-year-old in Cass County paid about $465 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $610. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
There are 13 health insurance agencies within 25 miles of Fargo, ND. The 9 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of Fargo.
Health Insurance Agents near Fargo
Licensed agents can compare plans available in Cass County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Questions to ask before you choose
Which carriers can you quote in Cass County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
What a local agent does
Agents licensed in North Dakota can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Checking an agent's license in North Dakota
- 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
- 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
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.
Frequently asked questions
Can an agent help if I'm self-employed?
Yes. Agents work with 1099 and self-employed clients every day, including estimating income that changes from year to year.
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- Fergus Falls, MN 54 miles
- Valley City, ND 56 miles
- Crookston, MN 64 miles
- East Grand Forks, MN 74 miles
- Grand Forks, ND 74 miles
- Jamestown, ND 88 miles
- Thief River Falls, MN 91 miles
- Alexandria, MN 97 miles
- Morris, MN 99 miles
- Bemidji, MN 101 miles