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North Dakota · 2026 plan year

Gold health insurance plans in North Dakota

There are 18 Gold plans on the North Dakota Marketplace from 3 insurers, and they are not interchangeable — premiums run from $369 to $676 a month for the same metal tier. Here is what separates them.

18
Gold plans
3
Insurers
53
Counties covered
$369
Cheapest premium
$2,006
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.

North Dakota Gold deductibles run 21% above the national median.

The average Gold deductible here is $2,006, against a $1,660 median across the 30 states in this tier. A lower premium in this state is more likely to be buying you a higher deductible than it would elsewhere.

North Dakota Gold premiums rank 4th cheapest of 30.

Averaged across all 18 plans, Gold coverage in North Dakota costs $489 a month before subsidies — 4th lowest of the 30 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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 Gold plans in North Dakota

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Sanford Individual TRUE Standardized $2,000Sanford Health Plan$369$2,000$8,200
Sanford Individual TRUE $1,750Sanford Health Plan$380$1,750$9,000
DakotaBlue Trinity Gold ($5 Value Based Drug List)Blue Cross Blue Shield of North Dakota$429$2,000$8,000
DakotaBlue Altru Gold ($5 Value Based Drug List)Blue Cross Blue Shield of North Dakota$429$2,000$8,000
Essentia Choice Care with Medica Gold $0 Copay PCP VisitsMedica$429$1,500$8,800

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

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Medica9$429$530
Blue Cross Blue Shield of North Dakota5$429$474
Sanford Health Plan4$369$414
Other tiers in North Dakota

How Gold compares to the rest

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

All North DakotaMarketplace plans →

Nearby on price

States with similar Gold premiums

Iowa
Avg $468
36 Gold plans
Missouri
Avg $492
31 Gold plans
New Hampshire
Avg $497
34 Gold plans
Common questions

North Dakota Gold plans, answered

What are the copays on a North Dakota Gold 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 Gold plans in North Dakota, deductibles average $2,006 and the out-of-pocket maximum averages $7,756. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in North Dakota?
Any North Dakota Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $2,006 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a North Dakota Gold plan?
The average across all 18 Gold plans in North Dakota is $2,006, with an average out-of-pocket maximum of $7,756. 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 Gold plans available in my North Dakota county?
Gold plans are sold in 53 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 Gold premiums in North Dakota start at $369 a month before any subsidy.

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