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Marketplace health plans in Mountrail 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, Mountrail County, North Dakota has 19 Marketplace health plans from 2 insurers: 6 bronze, 6 silver, 5 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $628.26 per month; the lowest bronze premium is $434.01.
What changed vs 2025
- Benchmark silver premium up $39.79 a month (+6.8%) from 2025
- 1 more plan than 2025
- Lowest bronze premium up $28.13 a month
Market snapshot
- Residents under 65
- 8,222
- Insurers
- 2
- Plans by metal level
- 6 bronze, 6 silver, 5 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $628.26/mo
- Lowest bronze premium, age 40, before subsidies
- $434.01/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
- 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 | 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 | 6 |
|---|
| Silver | DakotaBlue Trinity Silver ($5 Value Based Drug List) (37160ND2480010) | Blue Cross Blue Shield of North Dakota | PPO | $603.84 | $3,500 | $9,500 | 6 |
|---|
| Gold | DakotaBlue Trinity Gold ($5 Value Based Drug List) (37160ND2480009) | Blue Cross Blue Shield of North Dakota | PPO | $548.04 | $2,000 | $8,000 | 5 |
|---|
One plan per metal level shown, of 19 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 |
|---|
| $491.60 | $515.20 | $557.97 | $628.26 | $877.99 | $1,334.19 |
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.