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North Dakota · 2026 plan year

Silver health insurance plans in North Dakota (2026)

There are 20 Silver plans on the North Dakota Marketplace from 3 insurers, and they are not interchangeable — premiums run from $343 to $673 a month for the same metal tier. Here is what separates them.

20
Silver plans
3
Insurers
53
Counties covered
$343
Cheapest premium
$3,525
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 Silver deductibles run 41% below the national median.

The median Silver deductible here is $3,525, against a $5,975 median across the 35 states in this tier. Deductibles here are comparatively low, so premium differences between plans matter proportionally more.

North Dakota Silver premiums rank 10th cheapest of 35.

Averaged across all 20 plans, Silver coverage in North Dakota costs $485 a month before subsidies — 10th 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 Silver plan costs in North Dakota in 2026

Across all 20 Silver plans in North Dakota, monthly premiums run from $343 to $673, averaging $485. 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

Silver plan deductibles in North Dakota

Silver deductibles in North Dakota run from $3,500 to $6,000, with a median of $3,525 across all 20 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 $4,379 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

Silver out-of-pocket maximums in North Dakota

Individual out-of-pocket maximums on North Dakota Silver plans run from $7,500 to $10,450, with a median of $9,200. 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 Silver plans in North Dakota

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Sanford Individual TRUE $3,500Sanford Health Plan$343$3,500$9,750
Sanford Individual TRUE Standardized $6,000Sanford Health Plan$357$6,000$8,900
Sanford Individual TRUE $4,750Sanford Health Plan$368$4,750$9,750
Sanford Individual Simplicity $3,500Sanford Health Plan$421$3,500$9,750
Essentia Choice Care with Medica Silver $0 Copay PCP VisitsMedica$425$3,500$10,450

Showing 5 of 20. See all North Dakota Silver plans →

Who sells here

Silver plans by insurer

InsurerSilver plansCheapestTier averageDeductible range
Medica9$425$524$3,500–$6,000
Sanford Health Plan6$343$394$3,500–$6,000
Blue Cross Blue Shield of North Dakota5$472$522$3,500–$6,000
Other tiers in North Dakota

How Silver compares to the rest

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

All North DakotaMarketplace plans →

Nearby on price

States with similar Silver premiums

Michigan
Avg $464
43 Silver plans
Utah
Avg $492
21 Silver plans
Wisconsin
Avg $499
102 Silver plans
Common questions

North Dakota Silver plans, answered

What are the copays on North Dakota Silver 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 20 Silver plans in North Dakota, out-of-pocket maximums run $7,500 to $10,450, and deductibles on all 20 plans run $3,500 to $6,000. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Silver plan in North Dakota?
Anyone eligible to buy Marketplace coverage in North Dakota can pick a Silver plan — there is no separate test for the tier. What Silver uniquely unlocks is cost-sharing reductions, available if your household income is roughly 100–250% of the federal poverty level. Those reductions apply only to Silver plans, which is why Silver is usually the right choice at those incomes even though its sticker price here ($485 a month on average) is higher than Gold in some states.
What is the deductible on North Dakota Silver plans?
Silver deductibles in North Dakota run from $3,500 to $6,000 across all 20 plans, with a median of $3,525 — that median is the figure closest to a typical plan. Out-of-pocket maximums run $7,500 to $10,450. 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 Silver plans available in my North Dakota county?
Silver 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 Silver premiums in North Dakota start at $343 a month before any subsidy.

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