Best North Dakota Health Insurance (2025 Plans)

Sanford Health Plan has a MoneyGeek rating of 94 out of 100 and offers the best health insurance in North Dakota. Sanford Health Plan provides plan options with affordable rates, low out-of-pocket costs and handles claims well with fewer denials compared to other providers.

For our analysis, we evaluated a total of 19 Silver health insurance plans, including 10 Health Maintenance Organization (HMO) and 9 Preferred Provider Organization (PPO) plans in North Dakota.

Sanford Health Plan offers the best health insurance in North Dakota for low out-of-pocket costs with a MoneyGeek score of 90 out of 100. The provider has low-cost plan options, low out-of-pocket costs and does a great job at not denying claims. In North Dakota, our analysis looked at 10 Gold HMO plans and 10 Gold PPO plans.

Sanford Health Plan is the best cheap cheap health insurance provider in North Dakota, earning a score of 97 out of 100. The provider offers the most affordable plan options, has lower average out-of-pocket expenses and denies fewer claims than most other providers.

For this category, we evaluated 19 Silver plans in North Dakota. This included 10 Silver HMO plans and 9 Silver PPO plans. MoneyGeek placed more emphasis on plans that had lower monthly premiums, though plans with lower premiums often result in higher out-of-pocket costs.

Sanford Health Plan offers the best health insurance in North Dakota for those with low income, scoring 97 out of 100. Sanford Health Plan has affordable plan options, low out-of-pocket costs and a low percentage of claim denials. In North Dakota, we evaluated a total of 19 Silver CSR plans: 10 HMO plans and 9 PPO plans.

MoneyGeek placed extra emphasis on plans with low monthly premiums and included only those with cost-sharing reductions (CSRs). CSRs reduce your out-of-pocket costs and deductible if your income is below a certain amount. This helps you not have to choose between lower monthly costs and paying more when you need care. With a standard Silver plan, about 70% of health care costs are covered. However, for CSR Silver plans these numbers are different:

• If you make between $27,180 and $33,975 per year (201–250% of the federal poverty level), you can expect 73% of health care costs to be covered.
• If your income is $20,385 to $27,180 per year (151–200% of the federal poverty level), you can expect to have 87% of your costs covered.
• If you make less than $20,385 per year (up to 150% of the federal poverty level), you can expect to have 94% of your costs covered.

These income brackets will change if there are more or fewer people living in your home.

Sanford Health Plan offers the best health insurance in North Dakota for young adults with a MoneyGeek score of 87 out of 100. Sanford Health Plan is known for its affordable plan options, low out-of-pocket costs and better than average denial rate. Remember, Catastrophic plans are available only to individuals under the age of 30.

For this research, we reviewed 3 Bronze HMO plans, 13 Expanded Bronze HMO plans, 6 Expanded Bronze PPO plans, 4 Catastrophic HMO plans and 2 Catastrophic PPO plans in North Dakota.

Health insurance companies have different kinds of plans for people. The best providers for all plan categories are:

• HMO: Sanford Health Plan (MoneyGeek score: 100 out of 100)
• PPO: Sanford Health Plan (MoneyGeek score: 100 out of 100)

MoneyGeek's recommendations only include Silver plans. Silver plans balance how much you pay each month with how much you pay when you visit the doctor. They work well for people who go to the doctor or need medical services often.

North Dakota has nine Silver PPO plans and 10 Silver HMO plans. People in North Dakota can choose from these options for their health care.

Your budget and medical needs — including how much you're willing to spend each month versus when you receive care — will determine which health insurance provider in North Dakota is right for you. The following pointers can be useful when planning to get health insurance.

Medicare is a federal-run health care program that is more affordable than traditional health insurance plans. You might qualify for Medicare if you’re 65 or older or are a younger adult with a disability or illness. It has three parts:

• Part A (Hospital Insurance): Provides coverage for hospital stays, hospice care and other health care services.
• Part B (Medical Insurance): It offers coverage for medical supplies, preventative treatment and certain doctor’s services.
• Part D (Prescriptions Drug Coverage): Part D covers prescription drugs and recommended vaccines.

You can benefit from Medicaid, another government health care program, if your family income falls below 138% of the federal poverty level.

Finding an ideal health insurance plan can be complicated due to concerns about price and availability. MoneyGeek answers some frequently asked questions to help you research options.