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Marketplace health plans in Grand Forks 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, Grand Forks County, North Dakota has 31 Marketplace health plans from 3 insurers: 10 bronze, 10 silver, 9 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $603.84 per month; the lowest bronze premium is $418.75.
What changed vs 2025
- Benchmark silver premium up $77.88 a month (+14.8%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $58.02 a month
Market snapshot
- Residents under 65
- 62,532
- Insurers
- 3
- Plans by metal level
- 10 bronze, 10 silver, 9 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $603.84/mo
- Lowest bronze premium, age 40, before subsidies
- $418.75/mo
- Lowest gold premium, age 40, before subsidies
- $548.04/mo
- Lowest silver deductible
- $3,500
- Lowest out-of-pocket maximum
- $4,300
Insurers in the county
- Medica — 12 plans (Bronze, Silver, Gold)
- Blue Cross Blue Shield of North Dakota — 10 plans (Catastrophic, 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 | Altru Prime by Medica Bronze Share (73751ND0120029) | Medica | HMO | $418.75 | $8,000 | $10,600 | 10 |
|---|
| Silver | Sanford Individual Simplicity $3,500 (89364ND0120003) | Sanford Health Plan | PPO | $594.57 | $3,500 | $9,750 | 10 |
|---|
| Gold | DakotaBlue Altru Gold ($5 Value Based Drug List) (37160ND2480001) | Blue Cross Blue Shield of North Dakota | PPO | $548.04 | $2,000 | $8,000 | 9 |
|---|
One plan per metal level shown, of 31 plans in the county.
Benchmark silver premium by age
The benchmark plan (Blue Cross Blue Shield of North Dakota) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $472.49 | $495.17 | $536.28 | $603.84 | $843.87 | $1,282.34 |
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.