Before subsidies, the benchmark silver plan for a 40-year-old in Barnes County cost about $639 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 Barnes County for 2026.
Brokers in the Valley City area can quote individual, family and self-employed coverage from multiple carriers licensed in North Dakota. Their commission is built into the premium, so using one doesn't raise your price. Here are 11 brokerages within reach of Valley City.
Health Insurance Brokers near Valley City
Licensed agents can compare plans available in Barnes 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.
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.
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 Valley City 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
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Write down the enrollment deadline and confirm your first premium payment.
- Ask each agent which carriers they can quote in your county.
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
How do I find a good health insurance broker in Valley City?
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.
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
- Jamestown, ND 32 miles
- West Fargo, ND 52 miles
- Fargo, ND 56 miles
- Moorhead, MN 60 miles
- Wahpeton, ND 80 miles
- Grand Forks, ND 81 miles
- East Grand Forks, MN 84 miles
- Crookston, MN 88 miles
- Devils Lake, ND 92 miles
- Fergus Falls, MN 102 miles