Before subsidies, the benchmark silver plan for a 40-year-old in Burleigh County cost about $456 a month for 2026, and the North Dakota average for 2027 is $610 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Burleigh County for 2026. Below you'll find how coverage works in Bismarck, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Bismarck
Licensed agents can compare plans available in Burleigh County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Bismarck, ND
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $610/mo before subsidies |
| Burleigh County benchmark (2026) | $456/mo |
| Plans offered in Burleigh County (2026) | 37 |
| Plan types | PPO, HMO |
| Marketplace insurers in North Dakota (2027) | 3 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Ask each agent which carriers they can quote in your county.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
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
Which insurers sell marketplace plans in North Dakota?
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.
How much is health insurance in Bismarck?
Before subsidies, the benchmark silver plan for a 40-year-old in Burleigh County cost about $456 a month for 2026, and the North Dakota average for 2027 is $610 a month. Premium tax credits bring that down for many households, depending on income and family size. 3 insurers offered marketplace plans in Burleigh County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for North Dakota Medicaid. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
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