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. Keep reading for what's sold in Cass County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Fargo
Licensed agents can compare plans available in Cass County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Fargo, ND
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $610/mo before subsidies |
| Cass County benchmark (2026) | $465/mo |
| Plans offered in Cass County (2026) | 40 |
| Plan types | HMO, PPO |
| 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.
A quick checklist
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
- Ask each agent which carriers they can quote in your county.
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
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.
Where can I buy health insurance in Fargo?
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 Fargo?
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. A licensed agent can quote your exact price.
Health insurance 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