Before subsidies, the benchmark silver plan for a 40-year-old in Ramsey County cost about $628 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 Ramsey County for 2026. Below you'll find how coverage works in Devils Lake, the local agencies with the strongest reviews, and where to get free help.
Top-rated health insurance agencies near Devils Lake
Licensed agents can compare plans available in Ramsey County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Devils Lake, ND
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $610/mo before subsidies |
| Ramsey County benchmark (2026) | $628/mo |
| Plans offered in Ramsey County (2026) | 31 |
| 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.
How to get ready
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- 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.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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.
Where can I buy health insurance in Devils Lake?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Devils Lake?
Before subsidies, the benchmark silver plan for a 40-year-old in Ramsey County cost about $628 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 Ramsey County for 2026. A licensed agent can quote your exact price.
Health insurance in nearby cities
- Grand Forks, ND 84 miles
- Jamestown, ND 84 miles
- East Grand Forks, MN 87 miles
- Valley City, ND 92 miles
- Crookston, MN 108 miles
- Minot, ND 111 miles
- Minot AFB, ND 115 miles
- Thief River Falls, MN 124 miles
- Bismarck, ND 126 miles
- West Fargo, ND 126 miles