Before subsidies, the benchmark silver plan for a 40-year-old in Cass County cost about $465 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 Cass County for 2026.
If you want someone to shop the North Dakota market for you, a broker is the usual route. The 5 offices below sit closest to Fargo and list themselves as brokers or independent agencies, which typically means access to more than one insurer.
Health Insurance Brokers near Fargo
Licensed agents can compare plans available in Cass County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in North Dakota.
Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Carriers a Fargo broker can quote
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. An independent broker appointed with several of them can compare prices and networks side by side.
Before you call an agent
- Write down the enrollment deadline and confirm your first premium payment.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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
Frequently asked questions
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
How do I find a good health insurance broker in Fargo?
Look for a broker licensed in North Dakota who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the North Dakota insurance regulator.
Brokers in nearby cities
- West Fargo, ND 4 miles
- Moorhead, MN 4 miles
- Wahpeton, ND 42 miles
- Detroit Lakes, MN 47 miles
- 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