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. Keep reading for what's sold in Grand Forks County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies 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 866-645-8540Health insurance at a glance: Grand Forks, ND
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $610/mo before subsidies |
| Grand Forks County benchmark (2026) | $604/mo |
| Plans offered in Grand Forks 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
- 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.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
How much is health insurance in Grand Forks?
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 licensed agent can quote your exact price.
Where can I buy health insurance in Grand Forks?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
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.
Health insurance 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