North Dakota
Cheapest ACA plans in Bismarck, North Dakota for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Bismarck is in Burleigh County, North Dakota. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Burleigh County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $332/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Burleigh County, including Bismarck.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Bismarck (Burleigh County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Burleigh County |
|---|---|---|
| Catastrophic | $296 | 3 |
| Expanded Bronze | $332 | 12 |
| Silver | $439 | 12 |
| Gold | $472 | 10 |
The actual cheapest Bronze plan in Bismarck
Sanford Health Plan Sanford TRUE Standardized 7500
$332/moFor a family of four (two 40-year-olds and two kids under 14): Sanford Health Plan Sanford TRUE Standardized 7500 at $1,060/month before subsidies.
Carriers selling 2026 plans in Bismarck
3 carriers sell 2026 plans on Healthcare.gov for Burleigh County residents. 57 plans total in Burleigh County.
| Carrier | On-exchange plans |
|---|---|
| Sanford Health Plan | 18 |
| BlueCross BlueShield of North Dakota | 10 |
| Medica Health Plans | 9 |
What you'll actually pay in Bismarck
Estimated monthly net premium for the cheapest Bronze plan above ($332/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Burleigh Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $360/mo | $0/mo |
| $40,000 | 256% | $170/mo | $162/mo |
| $60,000 | 383% | $0/mo | $332/mo |
| $100,000 | 639% | — | $332/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $899/mo | $161/mo |
| $130,000 | 404% | — | $1,060/mo |
| $200,000 | 622% | — | $1,060/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Bismarck, North Dakota for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Sanford Health Plan Sanford TRUE Standardized 7500 at $332 per month before subsidies. Plans sell through Healthcare.gov. Bismarck is in Burleigh County, North Dakota; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Bismarck's 2026 ACA pricing compare to other North Dakota cities?
Cheapest Bronze for a 40-year-old in Bismarck is $332 per month before subsidies. For comparison: Fargo at $338/mo; Grand Forks at $419/mo; Jamestown at $434/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does North Dakota use Healthcare.gov?
Yes. North Dakota participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. North Dakota does not operate a state-based exchange for PY2026.
Has North Dakota expanded Medicaid?
Yes, effective January 1, 2014. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in North Dakota.
Why is North Dakota's Marketplace so small?
North Dakota has one of the smallest state populations in the country (roughly 800,000 residents) and relatively low uninsured rates, so Marketplace enrollment typically runs 30,000-40,000. Plan availability by county reflects that scale: three carriers statewide (BCBS ND, Medica, Sanford), with the fullest options in Fargo, Bismarck, and Grand Forks.
More North Dakota pricing
- Statewide North Dakota pricing and metal tiers
- Fargo pricingcheapest Bronze $338/mo
- Grand Forks pricingcheapest Bronze $419/mo
- Jamestown pricingcheapest Bronze $434/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- North Dakota Insurance Department for rate review, carrier filings, and consumer guidance.
- North Dakota Department of Health and Human Services: Medicaid for ND Medicaid and Medicaid expansion eligibility.
- KFF: North Dakota State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.