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Marketplace health plans in Pembina County, ND — 2027
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 2027, Pembina County, North Dakota has 26 Marketplace health plans from 3 insurers: 8 bronze, 9 silver, 8 gold, 1 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $678.51 per month; the lowest bronze premium is $502.69.
What changed vs 2026
- Benchmark silver premium up $50.25 a month (+8.0%) from 2026
- 2 fewer plans than 2026
- Lowest bronze premium up $68.68 a month
Market snapshot
- Residents under 65
- 4,983
- Insurers
- 3
- Plans by metal level
- 8 bronze, 9 silver, 8 gold, 1 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $678.51/mo
- Lowest bronze premium, age 40, before subsidies
- $502.69/mo
- Lowest gold premium, age 40, before subsidies
- $634.17/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 — 8 plans (Bronze, Silver, Gold)
- Sanford Health Plan — 8 plans (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 $12000 Deductible (37160ND2410021) | Blue Cross Blue Shield of North Dakota | PPO | $433.02 | $12,000 | $12,000 | 1 |
| Bronze | Sanford Individual Simplicity Standardized $7,500 (89364ND0120016) | Sanford Health Plan | PPO | $502.69 | $7,500 | $12,000 | 8 |
| Silver | Sanford Individual Simplicity Standardized $6,400 (89364ND0120017) | Sanford Health Plan | PPO | $664.71 | $6,400 | $10,300 | 9 |
| Gold | DakotaBlue Altru Gold (37160ND2480015) | Blue Cross Blue Shield of North Dakota | PPO | $634.17 | $2,000 | $8,000 | 8 |
One plan per metal level shown, of 26 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 |
|---|---|---|---|---|---|
| $530.93 | $556.40 | $602.59 | $678.51 | $948.22 | $1,440.91 |
Nearby counties
Agent Tools
Free tools for licensed agents working Pembina County.
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.