North Dakota offers affordable and cheap health insurance options for residents, ensuring coverage for different needs and budgets. The state has multiple plans through marketplaces, employer-sponsored programs, Medicaid, and CHIP. Yet, much of North Dakota’s population remains uninsured, emphasizing the importance of coverage to avoid high medical bills.
Why You Need Cheap Health Insurance in North Dakota
Health insurance in North Dakota ensures you can access necessary medical care without high out-of-pocket costs. It provides financial protection, covers preventive services, and helps manage expenses for unexpected illnesses or injuries, keeping you and your family healthy.
Beem
Beem is an ideal platform for finding affordable health insurance in North Dakota. It offers a wide range of insurance providers in one place, allowing you to customize plans to fit your needs, from short-term to family plans.
How to Find Cheap Health Insurance in North Dakota
Finding health insurance in North Dakota involves comparing various plans, assessing your healthcare needs, and selecting coverage that fits your budget and preferences.
How to Shop for Cheap Health Insurance on Beem
Beem simplifies shopping for health insurance by offering a wide range of plans from different providers in one place. You can customize your search based on your specific needs, whether short-term medical plans or comprehensive family plans, ensuring you find affordable and suitable coverage.
Comparing Plans: Decoding Costs and Coverage
When comparing health insurance plans, consider both costs and coverage. Monthly premiums, deductibles, and out-of-pocket expenses can vary significantly. Affordable plans might have higher deductibles but lower premiums, while comprehensive plans offer broader coverage at a higher cost. Beem helps you decode these aspects to find the best value for your needs.
Top Cheap Health Insurance in North Dakota
The top cheap health insurance in North Dakota includes multiple health insurance providers, offering various affordable plans to meet your healthcare needs.
Blue Cross Blue Shield of North Dakota
Blue Cross Blue Shield of North Dakota offers affordable health insurance plans with a wide network of doctors and hospitals. They provide various coverage options, making it easier for individuals and families to find a plan that fits their needs.
| Factor | Details |
| Pros | Wide network of doctors and hospitals. Various coverage options |
| Cons | Some plans may have high deductibles. Limited coverage outside of North Dakota. |
| Monthly Cost | It varies based on the plan and coverage level. |
| Out of Pockets | The out-of-pocket limit for BCBSND plans can vary. |
| Deductibles | Depends on the plan. Some individual plans may have deductibles starting at $1,000, whereas family plans might have higher deductibles. |
Read Related Article: Cheap Health Insurance in New Hampshire.
Sanford Health Plan
Sanford Health Plan offers affordable health insurance with a variety of coverage options. Its focus on preventive care and access to a large network of healthcare providers ensure comprehensive care for individuals and families.
| Factor | Details |
| Pros | Comprehensive preventive care. Access to a large network of providers and various plans. |
| Cons | Coverage might vary by location, with potential higher costs for out-of-network services. |
| Monthly Cost | It varies by plan but typically ranges from $200 to $400 monthly. |
| Out of Pockets | Typically ranges from $3,000 to $7,000 annually, depending on the plan. |
| Deductibles | Generally, it ranges from $1,000 to $4,000 per year, depending on the plan. |
Medica Health Insurance
Medica is a health insurance provider offering a range of plans with various coverage options. It primarily serves the Upper Midwest and aims to provide affordable and flexible health insurance solutions tailored to individuals’ needs.
| Factor | Details |
| Pros | Wide range of plan options. Good customer service. Comprehensive coverage options |
| Cons | Higher premiums for comprehensive plans. Limited to certain regions. |
| Monthly Cost | $300 to $700, depending on the plan and coverage level. |
| Out-of-Pockets | $2,000 to $8,150. |
| Deductibles | $1,500 to $6,000. |
UnitedHealthcare Description
UnitedHealthcare provides a variety of health insurance plans, offering comprehensive coverage, including access to a broad network of healthcare providers, wellness programs, and member support. It aims to meet diverse healthcare needs and budgets.
| Factor | Details |
| Pros | Extensive network of providers. Variety of plan options. Wellness programs. Strong customer support |
| Cons | Higher premiums for some plans. Out-of-network costs can be high |
| Monthly Cost | Varies by plan and location; typically ranges from $200 to $500 for individual plans |
| Out-of-Pockets | Annual limit is generally between $4,000 and $8,000. |
| Deductibles | Depending on the plan type, individual plans typically cost between $1,000 and $4,000 annually. |
MagnaCare
MagnaCare is a healthcare network and services company that offers access to a wide range of medical providers and services through its network. Here’s a table outlining the factors you requested:
| Factor | Details |
| Pros | A comprehensive network of medical providers. Various healthcare services available. Negotiated service rates. |
| Cons | Limited to certain regions. May require referrals for specialists. Coverage options vary based on plan. |
| Monthly Cost | Typically ranges from $300 to $800 monthly, depending on the plan and coverage selected. |
| Out of Pockets | It can range from $1,000 to $5,000 annually, covering costs not paid by insurance. |
| Deductibles | Typically, it ranges from $500 to $2,500 annually, paid before insurance coverage starts. |
Read Related Article: Cheap Health Insurance In New Jersey.
Cigna
Cigna is a prominent global health service company that provides a wide range of health insurance products and related services. Cigna offers various plan options with international coverage, though premiums can be higher than those of some competitors.
| Factor | Details |
| Pros | Extensive network of healthcare providers. International coverage options and various plan choices. |
| Cons | Higher premiums compared to some competitors, coverage specifics vary by plan and region. |
| Monthly Cost | Ranges from $400 to $1,200 per month, depending on plan type and coverage details. |
| Out of Pockets | It can range from $1,500 to $7,000 annually, covering costs not paid by insurance. |
| Deductibles | Usually, it ranges from $500 to $3,000 annually, the amount paid before insurance coverage starts. |
Aetna
Aetna, owned by CVS Health, offers diverse health insurance plans, a broad network of providers, wellness programs, and digital tools to cater to varying healthcare needs and preferences.
| Factor | Details |
| Pros | Comprehensive plan options, wellness programs, and digital tools for managing health. |
| Cons | Higher premiums for broader coverage, coverage specifics vary by plan and region, and potentially complex claims processes. |
| Monthly Cost | There are no monthly charges for any plan. |
| Out of Pockets | It can range from $3,000 to $6,000 annually, covering costs not paid by insurance, including deductibles, copayments, and coinsurance. |
| Deductibles | It usually ranges from $500 to $3,000 annually, the amount paid by the insured before insurance coverage begins, varying by plan and specific coverage details. |
Humana
Humana is a prominent health insurance provider based in Kentucky, offering extensive Medicare coverage nationwide.
| Factor | Details |
| Pros | $0 monthly premiums for many plans, highly rated Medicare Advantage plans, and nationwide coverage, including special needs plans. |
| Cons | Limited availability in some ZIP codes, many customer complaints, and SNPs only available in select states. |
| Monthly Cost | It varies widely based on plan type and location, typically from $0 to $200 monthly for Medicare Advantage plans. |
| Out of Pockets | It can range from $1,000 to $6,700 annually, covering costs not paid by insurance. |
| Deductibles | It ranges from $0 to $3,700 annually, paid before insurance coverage starts. |
Oscar Health
Oscar Health, founded in 2012, is a leading for-profit insurer in the U.S., offering innovative health plans like HMOs, EPOs, and PPOs with curated provider networks to balance broad access with cost savings and quality outcomes.
| Factor | Details |
| Pros | Competitive ACA plan rates, diverse options (HMOs, EPOs, PPOs), and curated networks for cost savings and quality care. |
| Cons | Higher complaint levels, limited availability of PPO plans, higher deductibles for silver ACA plans. |
| Monthly Cost | The average cost is $407 per month, varying based on plan type and location. |
| Out of Pockets | It can range from $1,000 to $6,000 annually, covering costs not paid by insurance. |
| Deductibles | Typically higher for silver ACA plans compared to competitors, ranging from $1,000 to $5,000 annually. |
Bright Health
Bright Health offers health insurance plans for individuals and families, focusing on preventive care at no extra cost. They provide various coverage options and emphasize integrated healthcare to keep you healthy and manage costs effectively.
| Factor | Details |
| Pros | There is no out-of-pocket cost for preventive care, comprehensive coverage options, or integrated healthcare approach. |
| Cons | Limited availability in some regions, the potential for higher premiums, and varying network coverage. |
| Monthly Cost | It typically ranges from $300 to $800 per month, depending on the plan type and coverage specifics. |
| Out of Pockets | It can range from $1,000 to $5,000 annually, covering costs not paid by insurance. |
| Deductibles | Usually, it ranges from $500 to $3,000 annually, the amount paid before insurance coverage starts. |
Read Related Article: Cheap Health Insurance in New Mexico.
Conclusion
Health insurance in North Dakota offers diverse plans through ACA marketplaces, employer programs, and public options like Medicaid. Despite these resources, some residents remain uninsured, highlighting the need for accessible and affordable coverage to protect against high medical expenses. Comparing plans can help find the best fit for individual needs. Use Beem to examine plans that align with your healthcare needs and budget and ensure timely access to necessary care.
FAQs
Who has the lowest health insurance rates in North Dakota?
Beem, Blue Cross Blue Shield of North Dakota, and Medica are known for offering some of the state’s most affordable health insurance rates. Rates can vary based on individual needs and plan types, so comparing multiple providers is best.
How to get free health insurance in North Dakota?
You can get free health insurance in North Dakota through Medicaid or the Children’s Health Insurance Program (CHIP) if you qualify based on income and other eligibility criteria. Some low-income individuals may also be eligible for subsidies under the Affordable Care Act (ACA), significantly reducing or eliminating premiums.
Who has low deductibles and out-of-pocket in North Dakota?
HealthPartners and Sanford Health Plan often offer lower deductibles and out-of-pocket costs. These plans are designed to minimize the amount you pay before insurance kicks in, but they may come with higher monthly premiums. Always compare plans to find the best balance for your budget and healthcare needs.
