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North Dakota · 2026 plan year

Gold health insurance plans in North Dakota (2026)

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
$2,000
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.

North Dakota Gold premiums rank 6th cheapest of 35.

Averaged across all 18 plans, Gold coverage in North Dakota costs $489 a month before subsidies — 6th lowest of the 35 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.

Cost

What a Gold plan costs in North Dakota in 2026

Across all 18 Gold plans in North Dakota, monthly premiums run from $369 to $676, averaging $489. 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

Gold plan deductibles in North Dakota

Gold deductibles in North Dakota run from $1,500 to $2,600, with a median of $2,000 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 $2,006 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

Gold out-of-pocket maximums in North Dakota

Individual out-of-pocket maximums on North Dakota Gold plans run from $4,300 to $9,000, with a median of $8,200. 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 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 averageDeductible range
Medica9$429$530$1,500–$2,500
Blue Cross Blue Shield of North Dakota5$429$474$2,000–$2,600
Sanford Health Plan4$369$414$1,750–$2,000
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
Michigan
Avg $516
29 Gold plans
Common questions

North Dakota Gold plans, answered

What are the copays on North Dakota Gold 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 Gold plans in North Dakota, out-of-pocket maximums run $4,300 to $9,000, and deductibles on all 18 plans run $1,500 to $2,600. 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 — a median of $2,000 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 North Dakota Gold plans?
Gold deductibles in North Dakota run from $1,500 to $2,600 across all 18 plans, with a median of $2,000 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $4,300 to $9,000. 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 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 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 Gold premiums in North Dakota start at $369 a month before any subsidy.

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