North Dakota Health Insurance

As a resident of North Dakota, you have plenty of North Dakota health insurance options to choose from. There are multiple insurance companies in North Dakota that provide a range of plans for a variety of health needs.

Here you'll be able to get helpful information for finding health insurance in North Dakota. See some of the state's top health insurance companies and read about the important North Dakota health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public North Dakota health insurance programs.

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Resources on this page

North Dakota Health Insurance Laws and Regulations

Public Health Insurance Programs for North Dakota Residents

North Dakota Health Insurance High Risk Pools

North Dakota Health Insurance Companies

Contact Info for the North Dakota Insurance Department and Department of Health

North Dakota Health Insurance Laws and Regulations

North Dakota health insurance companies and set premiums. But there are a few exceptions.

If you are HIPAA-eligible, insurers cannot impose restrictions on coverage or deny your application. HIPAA is a federal law that protects individuals who have recently left a group health plan with an employer. You can learn more about HIPAA here.

North Dakota state law also requires every insurance company to offer a basic standardized health plan. These plans are required to provide coverage for certain medical services, such as screening for breast and prostate cancer.

North Dakota health insurance companies must follow "mental health parity," which means mental health conditions must have the same coverage benefits and physical conditions.

Uninsured residents of North Dakota who cannot find a plan in the private market can purchase coverage through the state's high-risk pool, the Comprehensive Health Association of North Dakota (CHAND). Learn more about CHAND at http://www.chand.org/.

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North Dakota Public Health Insurance Programs

There are different public North Dakota health insurance programs that help low-income residents obtain health coverage. They include:

Medicaid
North Dakota's Medicaid program provides health insurance for some low-income residents and disabled citizens. For more information, visit the program's website.

Healthy Steps
Low-income children in North Dakota who do not qualify for Medicaid may be eligible to receive coverage through this state Children's Health Insurance Program (SCHIP). To learn more about this children's North Dakota health insurance program, visit them online.

Women's Way
This program provides low-income women with free cervical cancer screening and mammograms. If a woman is diagnosed with either cancer through Women's Way, she can receive health care coverage through Medicaid. Learn more about this women's North Dakota health insurance program online.

North Dakota Medicare
Seniors can find North Dakota health insurance through Medicare Advantage, Supplement and Original Medicare.

Trade workers and early retirees in North Dakota may be eligible for assistance in purchasing health insurance through the Federal Health Coverage Tax Credit. Find out more about the tax benefit online.

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North Dakota Health Insurance High Risk Pool

Residents in North Dakota with pre-existing conditions will be able to get health insurance from the temporary high risk pools set up by the Patient Protection and Affordable Care Act.

The Pre-Existing Condition Insurance Plan (PCIP) in North Dakota will run similar to regular North Dakota health insurance policies. The plan will require enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the North Dakota PCIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly costs for North Dakota residents will $246 for ages 0 to 34; $295 for ages 35 to 44; $377 for ages 45 to 54; $524 for ages 55 and older. The plan includes a $2,500 deductible which has to be met before health insurance coverage kicks in. The out-of-pocket limit is set at $5,950 a year.

Those eligible for the plan will have health insurance coverage for hospital and doctor visits, emergency services, prescription drugs and more.

Individuals may apply for the North Dakota PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.

For more information on the North Dakota health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer health insurance plans in North Dakota:

Assurant Health Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. They have been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.