2026 plan year · North Dakota
2026 health insurance plans in Cass County, ND
40 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.
- $465benchmark silver (age 40)
- $338cheapest bronze (age 40)
- 3insurers
- +3.5%benchmark change vs. 2025
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $7,500 Sanford Health Plan · HMO | $265 | $338 | $718 | $7,500 | $10,000 | $50 |
| Sanford Individual TRUE $6,500 Sanford Health Plan · HMO | $269 | $344 | $730 | $6,500 | $9,750 | $50 |
| Sanford Individual TRUE $7,200 HSA Qualified Sanford Health Plan · HMO | $272 | $348 | $738 | $7,200 | $7,200 | No Charge after Deductible |
| Essentia Choice Care with Medica Bronze Share Medica · HMO | $280 | $358 | $760 | $8,000 | $10,600 | $50 |
| Essentia Choice Care with Medica Bronze $0 Copay PCP Visits Medica · HMO | $306 | $391 | $829 | $7,500 | $10,600 | No Charge |
| Essentia Choice Care with Medica Expanded Bronze Standard Medica · HMO | $311 | $397 | $844 | $7,500 | $10,000 | $50 |
| Sanford Individual Simplicity Standardized $7,500 Sanford Health Plan · PPO | $319 | $407 | $865 | $7,500 | $10,000 | $50 |
| Sanford Individual Simplicity $6,500 Sanford Health Plan · PPO | $324 | $414 | $880 | $6,500 | $9,750 | $50 |
| Sanford Individual Simplicity $7,200 HSA Qualified Sanford Health Plan · PPO | $334 | $427 | $906 | $7,200 | $7,200 | No Charge after Deductible |
| 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 |
| 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 |
| Medica Individual Choice Expanded Bronze Standard Medica · HMO | $401 | $512 | $1,088 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $3,500 Sanford Health Plan · HMO | $350 | $447 | $950 | $3,500 | $9,750 | $45 |
| Sanford Individual TRUE Standardized $6,000 Sanford Health Plan · HMO | $364 | $465 | $988 | $6,000 | $8,900 | $40 |
| Sanford Individual TRUE $4,750 Sanford Health Plan · HMO | $376 | $480 | $1,019 | $4,750 | $9,750 | $45 |
| Essentia Choice Care with Medica Silver $0 Copay PCP Visits Medica · HMO | $425 | $543 | $1,154 | $3,500 | $10,450 | No Charge |
| Sanford Individual Simplicity $3,500 Sanford Health Plan · PPO | $429 | $549 | $1,166 | $3,500 | $9,750 | $45 |
| Essentia Choice Care with Medica Silver Share Medica · HMO | $437 | $558 | $1,185 | $3,525 | $8,850 | $30 |
| Sanford Individual Simplicity Standardized $6,000 Sanford Health Plan · PPO | $437 | $558 | $1,186 | $6,000 | $8,900 | $40 |
| Essentia Choice Care with Medica Silver Standard Medica · HMO | $439 | $561 | $1,192 | $6,000 | $8,900 | $40 |
| Sanford Individual Simplicity $4,750 Sanford Health Plan · PPO | $452 | $577 | $1,226 | $4,750 | $9,750 | $45 |
| BlueValue Silver $40 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota · PPO | $538 | $688 | $1,461 | $6,000 | $8,900 | $40 |
| BlueCare Silver $20 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota · PPO | $556 | $710 | $1,509 | $3,500 | $9,500 | $20 |
| Medica Individual Choice Silver Standard Medica · HMO | $566 | $723 | $1,536 | $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 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $2,000 Sanford Health Plan · HMO | $376 | $481 | $1,021 | $2,000 | $8,200 | $30 |
| Sanford Individual TRUE $1,750 Sanford Health Plan · HMO | $388 | $495 | $1,052 | $1,750 | $9,000 | No Charge |
| Essentia Choice Care with Medica Gold $0 Copay PCP Visits Medica · HMO | $429 | $548 | $1,164 | $1,500 | $8,800 | No Charge |
| Essentia Choice Care with Medica Gold Share Medica · HMO | $438 | $560 | $1,189 | $2,500 | $5,900 | $30 |
| Essentia Choice Care with Medica Gold Standard Medica · HMO | $449 | $573 | $1,218 | $2,000 | $8,200 | $30 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan · PPO | $453 | $580 | $1,231 | $2,000 | $8,200 | $30 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan · PPO | $470 | $601 | $1,276 | $1,750 | $9,000 | 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 |
| BlueCare Gold $10 PCP Copay ($5 Value Based Drug List) Blue Cross Blue Shield of North Dakota · PPO | $502 | $642 | $1,363 | $2,000 | $8,000 | $10 |
| BlueValue Gold $30 PCP Copay (Standardized plan) Blue Cross Blue Shield of North Dakota · PPO | $516 | $659 | $1,400 | $2,000 | $8,200 | $30 |
| Medica Individual Choice Gold Standard Medica · HMO | $578 | $739 | $1,569 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $10,600 Sanford Health Plan · HMO | $237 | $302 | $642 | $10,600 | $10,600 | No Charge after Deductible |
| Sanford Individual Simplicity $10,600 Sanford Health Plan · PPO | $285 | $364 | $773 | $10,600 | $10,600 | No Charge after Deductible |
| BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible Blue Cross Blue Shield of North Dakota · PPO | $293 | $374 | $794 | $10,600 | $10,600 | $50 |
Care quality in Cass County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Cass County.
Frequently asked questions
How many Marketplace health plans are available in Cass County, ND for 2026?
40 plans from 3 insurers: Blue Cross Blue Shield of North Dakota, Medica, Sanford Health Plan.
What is the benchmark silver plan premium in Cass County, ND?
For 2026, the second-lowest-cost silver plan costs $465 a month for a 40-year-old before tax credits, up 3.5% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Cass County, ND?
The lowest bronze premium for a 40-year-old is $338 a month before tax credits. Bronze plans have low premiums but high deductibles.