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North Dakota · 2026 plan year

Bronze health insurance plans in North Dakota (2026)

There are 18 Bronze plans on the North Dakota Marketplace from 3 insurers, and they are not interchangeable — premiums run from $259 to $471 a month for the same metal tier. Here is what separates them.

18
Bronze plans
3
Insurers
49
Counties covered
$259
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Bronze coverage does not reach every North Dakota county.

Bronze plans are sold in 49 of the 53 North Dakota counties where Marketplace coverage is available at all. Which plans you can actually buy depends on where you live, so check your ZIP before comparing anything on this page.

Every North Dakota Bronze plan is HSA-eligible.

All 18 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in North Dakota in 2026

Across all 18 Bronze plans in North Dakota, monthly premiums run from $259 to $471, averaging $336. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most North Dakota enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in North Dakota

Bronze deductibles in North Dakota run from $6,000 to $8,000, with a median of $7,500 across all 18 plans — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,383 because the spread is not symmetric. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in North Dakota

Individual out-of-pocket maximums on North Dakota Bronze plans run from $7,200 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in North Dakota

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Sanford Individual TRUE Standardized $7,500Sanford Health Plan$259$7,500$10,000
Sanford Individual TRUE $6,500Sanford Health Plan$264$6,500$9,750
Sanford Individual TRUE $7,200 HSA QualifiedSanford Health Plan$267$7,200$7,200
Essentia Choice Care with Medica Bronze ShareMedica$280$8,000$10,600
Essentia Choice Care with Medica Bronze $0 Copay PCP VisitsMedica$306$7,500$10,600

Showing 5 of 18. See all North Dakota Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Medica9$280$361$7,500–$8,000
Sanford Health Plan6$259$291$6,500–$7,500
Blue Cross Blue Shield of North Dakota3$340$351$6,000–$8,000
Other tiers in North Dakota

How Bronze compares to the rest

Bronze
Avg $336 · from $259
18 plans · you are here
Silver
Avg $485 · from $343
20 plans
Gold
Avg $489 · from $369
18 plans

All North DakotaMarketplace plans →

Nearby on price

States with similar Bronze premiums

Iowa
Avg $332
41 Bronze plans
Michigan
Avg $338
40 Bronze plans
Indiana
Avg $343
24 Bronze plans
Common questions

North Dakota Bronze plans, answered

What are the copays on North Dakota Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 18 Bronze plans in North Dakota, out-of-pocket maximums run $7,200 to $10,600, and deductibles on all 18 plans run $6,000 to $8,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in North Dakota?
Any North Dakota Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on North Dakota Bronze plans?
Bronze deductibles in North Dakota run from $6,000 to $8,000 across all 18 plans, with a median of $7,500 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $7,200 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my North Dakota county?
Bronze plans are sold in 49 North Dakota counties, from 3 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in North Dakota?
North Dakota uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in North Dakota start at $259 a month before any subsidy.

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