2026 plan year · North Dakota
2026 health insurance plans in Benson County, ND
31 Marketplace plans from 3 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $628benchmark silver (age 40)
- $434cheapest bronze (age 40)
- 3insurers
- +14.7%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota · PPO | $340 | $434 | $922 | $6,000 | $10,150 | $50 |
| Altru Prime by Medica Bronze Share Medica · HMO | $341 | $436 | $926 | $8,000 | $10,600 | $50 |
| BlueValue Bronze HSA Eligible $50 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota · PPO | $352 | $450 | $955 | $7,500 | $10,000 | $50 |
| BlueDirect Bronze 100 HSA Eligible ($8000 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota · PPO | $360 | $461 | $978 | $8,000 | $8,000 | No Charge after Deductible |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan · PPO | $365 | $466 | $990 | $7,500 | $10,000 | $50 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan · PPO | $371 | $474 | $1,007 | $6,500 | $9,750 | $50 |
| Altru Prime by Medica Bronze $0 Copay PCP Visits Medica · HMO | $372 | $476 | $1,011 | $7,500 | $10,600 | No Charge |
| Altru Prime by Medica Expanded Bronze Standard Medica · HMO | $379 | $484 | $1,029 | $7,500 | $10,000 | $50 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan · PPO | $382 | $488 | $1,037 | $7,200 | $7,200 | No Charge after Deductible |
| Medica Individual Choice Expanded Bronze Standard Medica · HMO | $479 | $613 | $1,301 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| DakotaBlue Altru Silver ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota · PPO | $472 | $604 | $1,282 | $3,500 | $9,500 | $20 |
| Sanford Individual Simplicity $3,500 Sanford Health Plan · PPO | $492 | $628 | $1,334 | $3,500 | $9,750 | $45 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan · PPO | $500 | $639 | $1,358 | $6,000 | $8,900 | $40 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan · PPO | $517 | $661 | $1,404 | $4,750 | $9,750 | $45 |
| Altru Prime by Medica Silver $0 Copay PCP Visits Medica · HMO | $518 | $662 | $1,406 | $3,500 | $10,450 | No Charge |
| Altru Prime by Medica Silver Share Medica · HMO | $532 | $680 | $1,445 | $3,525 | $8,850 | $30 |
| Altru Prime by Medica Silver Standard Medica · HMO | $535 | $684 | $1,452 | $6,000 | $8,900 | $40 |
| BlueValue Silver $40 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota · PPO | $538 | $688 | $1,461 | $6,000 | $8,900 | $40 |
| BlueDirect Silver 80 HSA Eligible ($3500 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota · PPO | $572 | $731 | $1,552 | $3,500 | $7,500 | 20% Coinsurance after deductible |
| Medica Individual Choice Silver Standard Medica · HMO | $677 | $865 | $1,837 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| DakotaBlue Altru Gold ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota · PPO | $429 | $548 | $1,164 | $2,000 | $8,000 | No Charge |
| BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) Blue Cross Blue Shield of North Dakota · PPO | $495 | $632 | $1,342 | $2,600 | $4,300 | 10% Coinsurance after deductible |
| BlueValue Gold $30 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota · PPO | $516 | $659 | $1,400 | $2,000 | $8,200 | $30 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan · PPO | $519 | $663 | $1,409 | $2,000 | $8,200 | $30 |
| Altru Prime by Medica Gold $0 Copay PCP Visits Medica · HMO | $523 | $668 | $1,419 | $1,500 | $8,800 | No Charge |
| Altru Prime by Medica Gold Share Medica · HMO | $534 | $682 | $1,449 | $2,500 | $5,900 | $30 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan · PPO | $538 | $688 | $1,461 | $1,750 | $9,000 | No Charge |
| Altru Prime by Medica Gold Standard Medica · HMO | $547 | $699 | $1,484 | $2,000 | $8,200 | $30 |
| Medica Individual Choice Gold Standard Medica · HMO | $692 | $884 | $1,877 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible Blue Cross Blue Shield of North Dakota · PPO | $293 | $374 | $794 | $10,600 | $10,600 | $50 |
| Sanford Individual Simplicity $10,600 Sanford Health Plan · PPO | $326 | $417 | $885 | $10,600 | $10,600 | No Charge after Deductible |
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Benson County.
Frequently asked questions
How many Marketplace health plans are available in Benson County, ND for 2026?
31 plans from 3 insurers: Blue Cross Blue Shield of North Dakota, Medica, Sanford Health Plan.
What is the benchmark silver plan premium in Benson County, ND?
For 2026, the second-lowest-cost silver plan costs $628 a month for a 40-year-old before tax credits, up 14.7% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Benson County, ND?
The lowest bronze premium for a 40-year-old is $434 a month before tax credits. Bronze plans have low premiums but high deductibles.