2026 plan year · North Dakota
2026 health insurance plans in Oliver County, ND
37 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.
- $533benchmark silver (age 40)
- $387cheapest bronze (age 40)
- 3insurers
- +7.4%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 | $303 | $387 | $822 | $7,500 | $10,000 | $50 |
| Sanford Individual TRUE $6,500 Sanford Health Plan · HMO | $308 | $394 | $836 | $6,500 | $9,750 | $50 |
| Sanford Individual TRUE $7,200 HSA Qualified Sanford Health Plan · HMO | $311 | $398 | $845 | $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 |
| 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 |
| 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 Bronze Share Medica · HMO | $432 | $552 | $1,171 | $8,000 | $10,600 | $50 |
| Medica Individual Choice Bronze $0 Copay PCP Visits Medica · HMO | $471 | $602 | $1,278 | $7,500 | $10,600 | No Charge |
| 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 |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $3,500 Sanford Health Plan · HMO | $401 | $512 | $1,087 | $3,500 | $9,750 | $45 |
| Sanford Individual TRUE Standardized $6,000 Sanford Health Plan · HMO | $417 | $533 | $1,131 | $6,000 | $8,900 | $40 |
| Sanford Individual TRUE $4,750 Sanford Health Plan · HMO | $430 | $550 | $1,167 | $4,750 | $9,750 | $45 |
| 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 |
| 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 |
| 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 $0 Copay PCP Visits Medica · HMO | $655 | $837 | $1,778 | $3,500 | $10,450 | No Charge |
| Medica Individual Choice Silver Share Medica · HMO | $673 | $860 | $1,827 | $3,525 | $8,850 | $30 |
| 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 |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE Standardized $2,000 Sanford Health Plan · HMO | $431 | $551 | $1,169 | $2,000 | $8,200 | $30 |
| Sanford Individual TRUE $1,750 Sanford Health Plan · HMO | $444 | $567 | $1,204 | $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 |
| Sanford Individual Simplicity Standardized $2,000 Sanford Health Plan · PPO | $519 | $663 | $1,409 | $2,000 | $8,200 | $30 |
| Sanford Individual Simplicity $1,750 Sanford Health Plan · PPO | $538 | $688 | $1,461 | $1,750 | $9,000 | No Charge |
| Medica Individual Choice Gold $0 Copay PCP Visits Medica · HMO | $661 | $845 | $1,794 | $1,500 | $8,800 | No Charge |
| Medica Individual Choice Gold Share Medica · HMO | $676 | $863 | $1,833 | $2,500 | $5,900 | $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 |
|---|---|---|---|---|---|---|
| Sanford Individual TRUE $10,600 Sanford Health Plan · HMO | $271 | $346 | $735 | $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 |
| 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 Oliver County.
Frequently asked questions
How many Marketplace health plans are available in Oliver County, ND for 2026?
37 plans from 3 insurers: Blue Cross Blue Shield of North Dakota, Medica, Sanford Health Plan.
What is the benchmark silver plan premium in Oliver County, ND?
For 2026, the second-lowest-cost silver plan costs $533 a month for a 40-year-old before tax credits, up 7.4% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Oliver County, ND?
The lowest bronze premium for a 40-year-old is $387 a month before tax credits. Bronze plans have low premiums but high deductibles.