Before subsidies, the benchmark silver plan for a 40-year-old in Grand Forks County cost about $604 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 Grand Forks County for 2026.
A health insurance broker in Grand Forks works for you, not for one insurance company. Brokers are licensed in North Dakota to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 11 brokerages near Grand Forks, sorted by distance.
Health Insurance Brokers near Grand Forks
Licensed agents can compare plans available in Grand Forks County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Broker 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.
What 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.
Carriers a Grand Forks 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.
A quick checklist
- Ask each agent which carriers they can quote in your county.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
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.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
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.
Brokers in nearby cities
- East Grand Forks, MN 3 miles
- Crookston, MN 25 miles
- Thief River Falls, MN 44 miles
- Fargo, ND 74 miles
- West Fargo, ND 74 miles
- Moorhead, MN 75 miles
- Valley City, ND 81 miles
- Devils Lake, ND 84 miles
- Detroit Lakes, MN 97 miles
- Jamestown, ND 103 miles