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Marketplace health plans in Cass 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, Cass County, North Dakota has 40 Marketplace health plans from 3 insurers: 13 bronze, 13 silver, 11 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $465.22 per month; the lowest bronze premium is $338.14.
What changed vs 2025
- Benchmark silver premium up $15.73 a month (+3.5%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $29.86 a month
Market snapshot
- Residents under 65
- 168,246
- Insurers
- 3
- Plans by metal level
- 13 bronze, 13 silver, 11 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $465.22/mo
- Lowest bronze premium, age 40, before subsidies
- $338.14/mo
- Lowest gold premium, age 40, before subsidies
- $481.01/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $4,300
Insurers in the county
- Sanford Health Plan — 18 plans (Catastrophic, Bronze, Silver, Gold)
- Medica — 12 plans (Bronze, Silver, Gold)
- Blue Cross Blue Shield of North Dakota — 10 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 | Sanford Individual TRUE $10,600 (89364ND0090015) | Sanford Health Plan | HMO | $302.26 | $10,600 | $10,600 | 3 |
|---|
| Bronze | Sanford Individual TRUE Standardized $7,500 (89364ND0090026) | Sanford Health Plan | HMO | $338.14 | $7,500 | $10,000 | 13 |
|---|
| Silver | Sanford Individual TRUE $3,500 (89364ND0090008) | Sanford Health Plan | HMO | $447.17 | $3,500 | $9,750 | 13 |
|---|
| Gold | Sanford Individual TRUE Standardized $2,000 (89364ND0090028) | Sanford Health Plan | HMO | $481.01 | $2,000 | $8,200 | 11 |
|---|
One plan per metal level shown, of 40 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 |
|---|
| $364.03 | $381.50 | $413.17 | $465.22 | $650.15 | $987.96 |
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.