Health Insurance Carriers in North Dakota (ND)

On this page, we have researched and summarized North Dakota health care information. First, we list the recommended carriers in North Dakota, along with links to summary information about them. Second, you will find additional information regarding North Dakota Health Insurance regulations.

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Recommended Health Insurance Carriers in North Dakota

Assurant Health (Formerly Fortis)
Security Life

Group Health Insurance in North Dakota

• Eligible individuals with health problems may not be denied coverage or charged more than others.
• Life changes related to family or job loss may entitle the policy holder to special opportunities for group health coverage.
• Newborns, adopted, and disabled minors have special coverage opportunities.
• Employers may apply a wait period before offering coverage.
• HMOs may impose an affiliation period.
• Pre-existing conditions have limits on protection.
• Six months of medical history before coverage began may be reviewed for pre-existing conditions.
• In the case of pre-existing conditions, an exclusion period of up to 12 months may apply.
• If continuous coverage is maintained with no breaks over 63 days, the policy holder is entitled to creditable coverage.

Small Business Health Insurance in North Dakota

• Small businesses with fewer than 50 may not be denied small group health insurance and providers must offer standardized plans.
• Coverage may not be cancelled because of sickness within the insured group.
• Businesses with under 25 employees have limits on the variances of their premiums.
• For groups made of more than 25 people, there are no limits.

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Self-Employed Health Insurance in North Dakota

• The self-employed may not purchase small group coverage.
• For regulations which apply to professional or trade associations offering group health insurance, contact the North Dakota Department of Insurance.

North Dakota Department of Insurance
600 East Boulevard
Bismarck, ND 58505
(701) 328-2440
www.state.nd.us/ndins

Individual Health Insurance in North Dakota

• Individual providers may deny coverage based on health problems.
• If denied coverage, an applicant may buy insurance from Comprehensive Health Association of North Dakota (CHAND).
• The same applies to HIPAA eligible applicants.
• Providers must offer basic and standard plans.
• In the case of a pre-existing condition, an elimination rider may be attached to a policy.
• Exclusion periods of up to 12 months may apply.
• Coverage may not be cancelled because of sickness.
• No limits apply to the cost of an individual plan.

North Dakota Health Care Programs

• The Comprehensive Health Association of North Dakota (CHAND) provides health insurance to HIPAA eligible applicants and to residents denied coverage elsewhere.
• A few programs for low income residents include Medicaid, Healthy Steps and Caring Program for Children.

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