Medica provides the most affordable health insurance in North Dakota, with an average monthly premium of $319. Availability can vary, so check out Sanford Health Plan and Blue Cross Blue Shield.
Cheapest Health Insurance in North Dakota: Affordable Plans for 2025
Updated: November 27, 2025
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Key Takeaways
Medica offers North Dakota's most affordable health insurance at $327 per month below the state average.
Sanford Health Plan's Gold plans combine comprehensive coverage with competitive rates starting at $464 monthly.
To find the cheapest health insurance, pick a coverage level that fits your budget, check your subsidy eligibility and compare plans from multiple insurers.
Most Affordable Health Insurance Companies in North Dakota
| Medica | $319 | $327 |
| Sanford Health Plan | $675 | $-29 |
| Blue Cross Blue Shield | $774 | $-128 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest North Dakota Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in North Dakota, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: Sanford Health Plan ($387 monthly)
- Cheapest for Seniors: Sanford Health Plan ($1,025 monthly)
- Cheapest Catastrophic Plan: Sanford Health Plan ($217 monthly)
- Cheapest Expanded Bronze Plan: Sanford Health Plan ($340 monthly)
- Cheapest Silver Plan: Sanford Health Plan ($483 monthly)
- Cheapest Gold Plan: Sanford Health Plan ($464 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:
Silver
40
| Sanford Health Plan | Sanford Individual TRUE Standardized $5,000 | $483 | $101 | $8,000 |
Cheapest Health Insurance Plans by County in North Dakota
While Medica is the cheapest company overall, Sanford Health Plan is the most affordable and widely available for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Adams | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Barnes | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Benson | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Billings | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Bottineau | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Bowman | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Burke | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Burleigh | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Cass | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Cavalier | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Dickey | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Divide | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Dunn | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Eddy | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Emmons | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Foster | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Golden Valley | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Grand Forks | Medica | $494 | Altru Prime by Medica Silver Copay $0 PCP |
| Grant | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Griggs | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Hettinger | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Kidder | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| LaMoure | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Logan | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| McHenry | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| McIntosh | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| McKenzie | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| McLean | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Mercer | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Morton | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Mountrail | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Nelson | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Oliver | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Pembina | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Pierce | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Ramsey | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Ransom | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Renville | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Richland | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Rolette | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Sargent | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Sheridan | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Sioux | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Slope | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Stark | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Steele | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Stutsman | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Towner | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Traill | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Walsh | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Ward | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Wells | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
| Williams | Sanford Health Plan | $410 | Sanford Individual TRUE Standardized $5,900 |
How to Find the Cheapest Health Insurance in North Dakota
Follow these steps to find affordable health insurance in North Dakota:
- 1Determine coverage plan needs and affordability
Your ideal plan type and tier depend on your health, income and lifestyle. Decide how much of your monthly income you can allocate to premiums, and factor in your age, location and any ongoing health conditions.
- 2Find out your subsidy eligibility
Individuals earning roughly $14,580 to $54,000 may qualify for premium tax credits that lower monthly costs. Those with incomes below 250% of the Federal Poverty Level (around $36,450) may also access cost-sharing reductions that cut out-of-pocket expenses by up to 73%.
- 3Consider federal programs for eligible age groups
If you meet the age requirements, look into Medicare Advantage and Medicare Supplement options. These may offer more affordable or flexible alternatives depending on your health needs.
- 4Review prescription formularies
Check each plan’s formulary to see how your regular medications are classified. Plans that place your prescriptions in lower tiers with smaller copays help you save more and maintain consistent access to the medications you rely on.
- 5Compare plans during Open Enrollment
Open Enrollment runs from November 1 to January 15. You may still qualify for Special Enrollment if you experience a major life event such as job loss, childbirth or divorce. Compare plans based on coverage, customer ratings, cost and whether your preferred doctors and clinics are in-network.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply for coverage at least five days before the enrollment deadline to avoid technical issues. Have your income verification, Social Security numbers and immigration documents ready before you start.
Most Affordable Health Insurance in North Dakota: Bottom Line
North Dakota's most affordable health insurance companies are Medica, Sanford Health Plan and Blue Cross Blue Shield. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap North Dakota Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in North Dakota:
What is the cheapest health insurance in North Dakota?
Medica's Silver plans start at $319 monthly for 40-year-olds, making it North Dakota's cheapest option. Sanford Health Plan and Blue Cross Blue Shield offer competitive alternatives depending on your coverage needs and budget.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in North Dakota
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in North Dakota based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.