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Health Care Reform

The Patient Protection and Affordable Care Act (PPACA) was signed into law on March 23, 2010. Learn how the health care reform law is impacting consumers and businesses.

If you have a question that is not answered here, please contact us at 1.800.247.0560 or insurance@nd.gov.

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ND agents/brokers certified to sell health insurance on the federal Marketplace
AgentBrokerMarketplace090216.pdf file size: 94 kb


For Marketplace assistance, customer service representatives are available by calling 1-800-318-2596 and hearing-impaired callers using TTY/TDD technology can dial 1-855-889-4325 for assistance. Small businesses can call 1-800-706-7893 for federal Marketplace assistance. For assistance navigating the Marketplace or determining eligibility for subsidies and other programs in North Dakota, contact a navigator:

Family HealthCare Center
Kaylin Frappier
Great Plains Tribal Chairmen's Health Board (GPTCHB)
Kathlene Thurman
Minot State’s Center for Persons with Disabilities
Neil Scharpe
Minot State University
500 University Avenue West
Minot, ND 58707
(800) 233-1737 or (701) 858-3596



10/30/2017   Insurance Department Encourages Consumers to Shop Around as Open 

                     Enrollment Period Begins

10/26/2017   Sanford Health Plan to Remain on the ACA Individual Health Insurance

                     Exchange in 2018

10/17/2017   Insurance Commissioner to Deny Additional Rate Increase Following

                     Non-payments of CSRs

10/6/2017     Insurance Department Releases Approved ACA Health Insurance

                     Premiums, Encourages Consumers to Shop

9/28/2017     Medica Leaving North Dakota Individual Health Insurance Exchange in


9/11/2017     Insurance Commissioner Provides Recommendations to Senate

                    Committee on Health, Education, Labor and Pensions

1/17/2017    Commissioner Godfread Provides ACA Reform Recommendation to


Benchmark plan (Excel file)
ndstatebenchmarkplanfinal.xls file size: 223 kb

Essential Health Benefits

The following links include all documents submitted by North Dakota for its Essential Health Benefits (EHB) benchmark health plan submission sent to U.S. Department of Health and Human Services (HHS) Secretary Sebelius on Sept. 28, 2012. The information provided in these documents represents general benefit information included in the Sanford Health Plan, which was the recommended benchmark plan.

Sanford ND policy
sanfordndpolicy.pdf file size: 1210 kb

Sanford Summary of Coverage
sanfordsummaryofcoverage.pdf file size: 203 kb

CHIP vision plan
chipvision_healthy_steps_vision.pdf file size: 625 kb

CHIP dental plan
chipdental_healthy_steps_dental.pdf file size: 644 kb

Drug formulary (Excel file)
ndbenchmarkprescriptiondrugformularyfinal.xls file size: 1506 kb

North Dakota also supplemented this plan with the North Dakota Children's Health Insurance Plan's (CHIP) pediatric and dental benefits.

HHS issued a final rule on EHB in February 2013.

The North Dakota Insurance Department will continue to review and provide prior approval to most health insurance policy forms and premium rates sold in the state.

North Dakota Insurance Department
600 E. Boulevard Ave.
Bismarck, ND 58505-0320
Phone 701.328.2440
Toll free 800.247.0560
Fax 701.328.4880

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