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North Dakota · 2026 plan year

Bronze health insurance plans in North Dakota

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
$7,383
Average 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, which averages $7,383 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.

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 average
Medica9$280$361
Sanford Health Plan6$259$291
Blue Cross Blue Shield of North Dakota3$340$351
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 a North Dakota Bronze plan?
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. Across the 18 Bronze plans in North Dakota, deductibles average $7,383 and the out-of-pocket maximum averages $9,758. 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 a North Dakota Bronze plan?
The average across all 18 Bronze plans in North Dakota is $7,383, with an average out-of-pocket maximum of $9,758. The range within the 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 North Dakota Marketplace plan?
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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