Before subsidies, the benchmark silver plan for a 40-year-old in Ward 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 Ward County for 2026. The rest of this page covers your coverage options in Minot, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Minot
Licensed agents can compare plans available in Ward County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Minot, ND
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $610/mo before subsidies |
| Ward County benchmark (2026) | $628/mo |
| Plans offered in Ward County (2026) | 28 |
| 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.
Before you call an agent
- 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.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- 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
Where can I buy health insurance in Minot?
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.
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.
Health insurance in nearby cities
- Minot AFB, ND 13 miles
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- Williston, ND 109 miles
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- Dickinson, ND 117 miles
- Sidney, MT 138 miles
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