North Dakota
Cheapest ACA plans in Grand Forks Afb, North Dakota for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Grand Forks Afb is in Grand Forks County, North Dakota. 3 carriers sell 2026 ACA plans on Healthcare.gov for residents of Grand Forks County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $419/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Grand Forks County, including Grand Forks Afb.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Grand Forks Afb (Grand Forks 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 Grand Forks County |
|---|---|---|
| Catastrophic | $374 | 2 |
| Expanded Bronze | $419 | 10 |
| Gold | $548 | 9 |
| Silver | $595 | 10 |
The actual cheapest Bronze plan in Grand Forks Afb
Medica Health Plans Altru Prime by Medica Bronze Share
$419/moFor a family of four (two 40-year-olds and two kids under 14): Medica Health Plans Altru Prime by Medica Bronze Share at $1,339/month before subsidies.
Carriers selling 2026 plans in Grand Forks Afb
3 carriers sell 2026 plans on Healthcare.gov for Grand Forks County residents. 45 plans total in Grand Forks County.
| Carrier | On-exchange plans |
|---|---|
| Medica Health Plans | 12 |
| BlueCross BlueShield of North Dakota | 10 |
| Sanford Health Plan | 9 |
What you'll actually pay in Grand Forks Afb
Estimated monthly net premium for the cheapest Bronze plan above ($419/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Grand Forks 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% | $507/mo | $0/mo |
| $40,000 | 256% | $317/mo | $102/mo |
| $60,000 | 383% | $106/mo | $313/mo |
| $100,000 | 639% | — | $419/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% | $1,371/mo | $0/mo |
| $130,000 | 404% | — | $1,339/mo |
| $200,000 | 622% | — | $1,339/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 Grand Forks Afb, North Dakota for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Medica Health Plans Altru Prime by Medica Bronze Share at $419 per month before subsidies. Plans sell through Healthcare.gov. Grand Forks Afb is in Grand Forks County, North Dakota; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Grand Forks Afb's 2026 ACA pricing compare to other North Dakota cities?
Cheapest Bronze for a 40-year-old in Grand Forks Afb is $419 per month before subsidies. For comparison: Fargo at $338/mo; Bismarck at $332/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
- Bismarck pricingcheapest Bronze $332/mo
- Grand Forks pricing
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.