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Marketplace health plans in Adams County, ND — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Adams County, North Dakota has 28 Marketplace health plans from 3 insurers: 9 bronze, 9 silver, 8 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $639.29 per month; the lowest bronze premium is $434.01.
What changed vs 2025
- Benchmark silver premium up $38.82 a month (+6.5%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $28.13 a month
Market snapshot
- Residents under 65
- 1,571
- Insurers
- 3
- Plans by metal level
- 9 bronze, 9 silver, 8 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $639.29/mo
- Lowest bronze premium, age 40, before subsidies
- $434.01/mo
- Lowest gold premium, age 40, before subsidies
- $632.09/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $4,300
Insurers in the county
- Blue Cross Blue Shield of North Dakota — 10 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 9 plans (Bronze, Silver, Gold)
- Sanford Health Plan — 9 plans (Catastrophic, Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | BlueEssential Catastrophic 100 HSA Eligible $10600 Deductible (37160ND2410021) | Blue Cross Blue Shield of North Dakota | PPO | $373.82 | $10,600 | $10,600 | 2 |
|---|
| Bronze | BlueCare Bronze HSA Eligible $50 PCP Copay ($5 Value Based Drug List) (37160ND2410030) | Blue Cross Blue Shield of North Dakota | PPO | $434.01 | $6,000 | $10,150 | 9 |
|---|
| Silver | Sanford Individual Simplicity $3,500 (89364ND0120003) | Sanford Health Plan | PPO | $628.26 | $3,500 | $9,750 | 9 |
|---|
| Gold | BlueDirect Gold 90 HSA Eligible ($2600 Deductible / $5 Preventive Drug List) (37160ND2410022) | Blue Cross Blue Shield of North Dakota | PPO | $632.09 | $2,600 | $4,300 | 8 |
|---|
One plan per metal level shown, of 28 plans in the county.
Benchmark silver premium by age
The benchmark plan (Sanford Health Plan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $500.23 | $524.24 | $567.76 | $639.29 | $893.40 | $1,357.61 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.